vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 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: MOHELA
State: CO

Complaint narrative:
I faxed standing payment instructions in XX/XX/2023, but then made a payment in XXXX that did not honor those instructions ( over {$1500.00} applied to interest instead of principle as requested ). I then sent a message through the secure system on XX/XX/XXXX with standing payment instructions again and asked that the prior payment be corrected. It has been opened according to the system, but I just made another payment ( XX/XX/XXXX ) and the instructions were still not honored. I saw on some websites that I should receive a letter confirming that my standing instructions were received but I have not. I need to make payments but do not want to pay extra overall because of their negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
XX/XX/2023 : Withdrawal XXXX XXXX XXXX XXXXXXXX XXXX PAYPAL XXXX XXXX XXXX XXXX XXXX {$1000.00} ( did not authorize ) XX/XX/2023 : Transfer XXXX XXXX PP {$1000.00} ( also did not authorize ) On the XXXX of XXXX called my bank ( XXXX XXXX XXXX  ) to see who Authorized this, why I was not informed before transaction occurred, Do not have any automatic withdraw for the pp account. Told to contact pp as they were the ones doing transaction. Called PP to which they stated there was no account with them and no record of withdrawals. switched me to credit card division to which they denied it and asked if I wanted to start a Dispute on it to which I replied, yes. 

called my bank to tell them not to pay anything from either my checking or savings to PayPal/Synchrony for any reason. 

after checking my account on XX/XX/2023, I saw the other transaction described above. Now trying to reach my bank as to why they paid out when I specifically told them not 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 explanation
Consumer complaint received 2023-11-06 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:
I have sent this company numerous letters and spoke with a rep to have the account removed due to the pay to delete agreement we made. The collection company has removed the negative remarks from my credit report but XXXXXXXX XXXX fails to uphold their agreement or respond to the certified letters/ requests Ive sent over to their company. This has been going on now for over a year and yet they fail to removed the account from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent this company numerous letters and spoke with a rep to have the account removed due to the pay to delete agreement we made. The collection company has removed the negative remarks from my credit report but XXXX XXXX fails to uphold their agreement or respond to the certified letters/ requests Ive sent over to their company. This has been going on now for over a year and yet they fail to removed the account from my 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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I transferred from my personal checking # XXXX ( that i used as single business owner using my own name or my DBA ) to my personal saving account about the amount of $ XXXX. 
Citibank sent {$12000.00} to the federal government to : Citi Bank account seizure, Case no. XXXX XXXX XXXX Assistant United States Attorney XXXX Asset Recovery Division, Chief United States Attorneys Office | District of Colorado XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CO XXXX XXXX : XXXX XXXX ) XXXX which amount of {$12000.00} I received back from the federal government but the remaining funds I've never received it because the district attorney never received the remaining balance. I went to the local bank branch in XXXX, but they said don't know where the funds are located. Nobody knows where the funds can be found. 
The frozen funds were borrowed during covid19 from the SBA for my business that I run under my name. I am a single business owner using a DBA name : XXXX XXXX XXXX, XXXX # XXXX. 
I did take the loan using my ss # XXXX, the sba deposited the funds to my personal bank account and Citibank didn't like the funds to be put into a personal saving bank account instead of a business bank account. Citibank closed the personal saving account and froze the funds.

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 2023-11-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
Sunrise Credit Services has attempted to collect a fraudulent debt - a debt that I do not owe. This is a debt from XXXX XXXX that I have disputed with the company many times. However, Sunrise Credit Services has sent me a harassing letter trying to collect such debt. I have asked Sunrise Credit Services for written proof or documentation explaining how I owe the debt to XXXX. This is something that they are legally required to provide to a customer if a customer has requested it. They have failed to provide any requested documentation to the customer. 

Unfortunately, I have paid the debt under duress - not because I owe the debt, but because Sunrise Debt Collections has threatened to ruin my credit because of this fraudulent debt. It is unlawful for a debt collection company to do this, and I am requesting a full refund of the money paid, because it was paid simply because of their threat to improperly report the debt to the Credit bureaus. 

Relevant Info : Creditor : XXXX  Account Number : XXXX XXXX  Account # 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 2023-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I requested help from the XXXX XXXX XXXX XXXX in XXXX, for the primary mortgage through XXXX XXXX, ( loan # XXXX ) and was approved for assistance XX/XX/XXXX. The total amount that was owed on the statement XX/XX/XXXX was {$12000.00}. That was including all fees and expenses. The XXXX paid XXXX XXXX  a total on {$14000.00}! That means they charged the XXXX an extra {$1500.00}!!! Ok fast forward to XXXX of XXXX, the monthly mortgage amount was {$380.00}, which I paid. I got the statement for XX/XX/XXXX and there was an amount of {$1200.00} in the category of assessed expenses, and additionally the regular monthly payment amount increased from XXXX $ to {$410.00}!!! There was no explanation anywhere on the statement as to the reason for either that assessed expense of {$1200.00}, or the increase of {$29.00} on the regular monthly payment amount! I called the company IMMEDIATELY to complain and they tried to tell me that was probably legal fees, and that can be paid over time. The mortgage is in my mothers name ( XXXX XXXX XXXX, deceased XX/XX/XXXX ) and this company has been an absolute nightmare to deal with and I really need help to get this matter straightened out! They are absolute XXXX! These charges are not valid and neither is their increase of my mortgage payment!!! Please help me!!! 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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Twice in one month, I have had fraudulent inquiries on XXXX by JPMCB. I setup a fraud alert and froze my account but these fraudulent inquiries are still occurring, appearing on my report and have significantly lowered my credit score. The first dispute ( which was successfully resolved ) dropped my score XXXX points. The recent still pending dispute dropped my score an additional XXXX points with a total drop from XXXX to XXXX. XXXX is encouraging me to sign up for a monthly subscription plan with additional fraud monitoring but is not helping address or stop the fraud that is currently occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received notification from XXXX on XX/XX/XXXX via physical mail, and notarized by the post office, that my student loan is paid in full. My loan is currently listed as paid in full status. 

However, all three credit bureaus report that the loan is still outstanding as of XX/XX/XXXX. XXXX failed to notify the credit bureaus in a timely manner of this update. This resulted in a XXXX point decrease in my credit rating. 

XXXX also sold incorrect and false information pertaining to my person to all XXXX data brokers. This constitutes slander, liable, and defamation. Furthermore, this fraudulent act constitutes a violation of the Gramm-Leach-Bliley Act of 1999. 

XXXX is a financial entity acting as an extension of a government entity.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I received notification from XXXX on XX/XX/XXXX via physical mail, and notarized by the post office, that my student loan is paid in full. My loan is currently listed as paid in full status. 

However, all three credit bureaus report that the loan is still outstanding as of XX/XX/XXXX. XXXX failed to notify the credit bureaus in a timely manner of this update. This resulted in a XXXX point decrease in my credit rating. 

XXXX also sold incorrect and false information pertaining to my person to all XXXX data brokers. This constitutes slander, liable, and defamation. Furthermore, this fraudulent act constitutes a violation of the XXXX XXXX of XXXX. 

XXXX is a financial entity acting as an extension of a government entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My account was overdrawn, however, that should not have occurred because I have setup for the transaction not to process if funds aren't available. Also, I was not notified that my account was overdrawn which Wells Fargo always sends a notification of my account if overdrawn. I called in twice and spoke with XXXXo different agents and neither one of them could adequately explain what happened or what is occuring with my account.

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 2023-11-06 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian is furnishing 3 accounts on my credit file which they should not be. XXXX, XXXX, XXXX, XXXX, XXXX and other secondary reporting agencies have removed this information. My consumer report is supposed to be complete and accurate. Transactions between a creditor and a consumer should not be reported without my consent. I have given no such consent. I do have a right to privacy. My information should be held private.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MOHELA
State: CA

Complaint narrative:
I received notification from MOHELA on XX/XX/XXXX via physical mail, and notarized by the post office, that my student loan is paid in full. My loan is currently listed as paid in full status. 

However, all three credit bureaus report that the loan is still outstanding as of XX/XX/XXXX. MOHELA failed to notify the credit bureaus in a timely manner of this update. This resulted in a XXXX point decrease in my credit rating. 

MOHELA also sold incorrect and false information pertaining to my person to all XXXX data brokers. This constitutes slander, liable, and defamation. Furthermore, this fraudulent act constitutes a violation of the Gramm-Leach-Bliley Act of 1999. 

MOHELA is a financial entity acting as an extension of a government entity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Peoples Home Equity, Inc.
State: TN

Complaint narrative:
The XX/XX/2016went to XXXX & XXXX to help with the process of purchasing a property which I believe was a nice price at the time. So I went through them for the purchasing procedure and was mislead my XXXX XXXX started with and XXXX when applied for the purchasing agreement then my score started going on down drastically found out that XXXX & XXXX kept pulling hard inquiries own my credit report. Now I could not qualify because they're practicing predatory lending.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Services Group, Inc. d/b/a ConServe
State: IL

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint ( XXXX ) requested a signed contract with my signature along with your Conserve signature. I have also attached my current payments that I have with XXXX XXXXXXXX that are current through XXXX. I would like for this account ( Conserve, XXXX ) to be removed immediately as it is affecting my privacy. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: MI

Complaint narrative:
I purchased a condo in XXXX. My original loan with mortgage 1 was sold to Amerihome mortgage soon thereafter. In XXXX XXXX of XXXX I was offered a streamline mortgage by Amerihome. At first it seemed a good option as it lowered my interest rate a little, and I was told there would be no fees whatsoever. Near the point they were to send someone to my condo for some type of inspection, I was told by California based mortgage rep that he was preparing closing docs and that I would be required to pay a percentage point on the loan. I refused telling him he had told me no fees. He tried and tried to make me think that the streamline loan was in my best interest. He was very pushy, I became upset and refused further, eventually hanging up phone. 
On XX/XX/XXXX Amerihome took {$930.00} from my escrow account. They labeled it an escrow refund, as shown on escrow statement provided. I did not receive an escrow refund. On XX/XX/XXXX I was sent an escrow shortage notice, and told I needed to pay {$960.00} to cover the shortfall. I was not able to do so. So they increased my escrow monthly payment. I have spoken to Amerihome several times regarding this.on XX/XX/XXXX a Supervisor named XXXX told me Amerihome had mailed a escrow refund to me for {$400.00} some dollars, but that apparently it had been sent to the wrong address??? Something about unit number showing XXXX not the proper unit no XXXX. When I told him it was {$930.00} which was deducted and not the XXXX and some amount, he became very sarcastic telling me he would look into it. I never heard back from him. I spoke to Amerihome representatives many times after this and was basically given a terrible run around. 

Unfortunately, at some point I misplaced the Amerihome documents, but luckily recently recovered them. I will copy all pertinent documents. 

Your help in this matter will be greatly appreciated!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I've never been late or missing any payment, but just one that I was advised by the Escalation department " To be FIXED the Problem '' the situation started first monthly payment ( XX/XX/2023 ) t after realized was taken more than 15.44 % established on the contract ( Way more ) to the interest, even, when i was paying {$200.00} 0ver the monthly payment set by Regional Acceptance Corp. these days Truist Bank related. I do have emails, Documents and last statement two weeks ago, bank statements and they have every single call recorded.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX Nordstrom credit card company reported me 30 days later for the month of XXXX. I believe I made my XXXX payment on that day as well. My dispute with them is 30 days havent gone by before you reported me being 30 days late for the month of XXXX. I called and a representative from their company agreed I was told to dispute with my credit bureau. Ive done this twice and they didnt agree and havent removed the 30 day late payment. I need this removed immediately XXXX because it isnt true and XXXX because it dropped my score XXXX points. I hope you can help me. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I did not authorized credit application from Chase Bank this is the second fraud that I have received a hard inquiry again with this company and they stated it will take 90 days to remedy. The first breach is on XX/XX/XXXX and the second is on XX/XX/XXXX. I'm told by chase fraud this is a chase freedom account.

Company response to consumer: Closed with explanation