vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Finance of America Holdings LLC
State: IN

Complaint narrative:
This is regarding the Reverse Mortgage that we have tried and tried to resolve. We were never notified that they were paying any property charges but they paid them ahead of time. Now, they have filed a foreclosure action in the county court and we have asked and asked how much we need to pay to cure the default and nobody can tell us! Every time we call, XXXX  tells us that it is under review. They first tried to tell us that we owed {$3800.00} but I looked at the itemized statement that we have tried to get since they first told us we were in default and that was in 2018 and I argued it then. However, nobody would send me the itemized list. Now that I finally got the itemized list, I was right. The items are things like a line of credit and loan set up fee. One item is property tax that we were not notified they were paying. Then the next loan servicer just picked up where they left off and started paying property taxes early with no notices or anything. I asked for an itemized list of those with receipts. They told me to go get the receipts myself and of course their itemized list is not correct. I call them and they say it is under review. The debt collector is aware of the problem as we filed a motion to dismiss in court. They have charged attorney fees and inspection fees to our balance and nobody responds to our requests to information so we can cure the default. They have not followed the HUD guidelines in any way and we are not getting any assistance at all. How can we pay off something that they don't even know how much it is. It should have never been called due and payable. They have put us through XXXX for nothing. Nobody would listen when I tried to tell them the previous servicer was incorrect when they said we did not pay our hazard insurance. The new servicer refunded our hazard insurance a year later but still called our loan due and payable. Wouldn't they see then that it was not due and payable? Why would they not then tell us the balance we owed so we could cure the default but instead kept doing drive by inspections and charging us. I even wrote the debt collectors a letter and told them that XXXX XXXX lost her job because of covid and they did not even respond or tell us we had a moratorium or anything. They just did not answer at all. We never heard from anyone. There was no attempt for a face to face meeting or anything. They just keep trying to have a foreclosure court date and make us pay the whole amount in court without giving us the ability to cure the default because they can ; t tell us what the default amount is. I have called many many times and sent numerous e mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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:
On XX/XX/XXXX, I called EdFinancial and requested a refund on my student loan account for my most recent payment of {$21000.00} made on XX/XX/XXXX ( during payment pause. ) I was assured that this request was confirmed and the payment would be refunded. I called back on XX/XX/XXXX because no activity is showing on my account. I was advised that a refund will take 150 days. This is not reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: NC

Complaint narrative:
Most recently Home Point Financial sent my homeowners insurance payment late causing my policy to be cancelled. But this is just the most recent delinquent actions they have taken with the serving of this loan. 

The previous event occurred when Home Point Financial has incorrectly reported to XXXX late on my mortgage payment. The events that are date stamped below can be proven by canceled checks and bank statements. 

NO PAYMENT WAS EVER 30 DAYS LATE. The only acceptable resolution is a correction to my credit report and a refund of every late fee ever charged to me. 

I always pay my mortgage about 15 days ahead of time. 


The problem really begins and stems from the incorrect processing of payment on XX/XX/XXXX. 

XX/XX/XXXX, XXXX I made a payment intended to be my XXXX payment. Your processing center incorrectly applied this payment to principle. Which has caused all other " early '' payments to appear late. 

XX/XX/XXXX, XXXX My bank sent out a payment that was the amount of the loan prior to the escrow adjustment XXXX. 

XX/XX/2022 -After realizing the bank has done this short pay I immediately send out a check for the difference of XXXX. Please see attached documentation ( Check # XXXX ). This check is clearly received and deposited by Home point. 

XX/XX/XXXX, XXXX Home Point Financial reports to XXXX that I am 30 days late. My almost perfect credit score of XXXX drops over 60 points to the low XXXX. 

XX/XX/XXXX, XXXX You assess a late charge XX/XX/XXXX, XXXX I make a payment of XXXX XX/XX/XXXX, XXXX You XXXX another late charge of XXXX XX/XX/XXXX, XXXX I make the 3rd payment of XXXX Home Point misapplied my payment on XX/XX/XXXX to the principal causing this entire situation. I have now paid late fees ( when I wasn't late ). You have caused my credit to drop from " excellent '' to " good. '' And I have now made my XXXX mortgage payment 2-3 times? 


Please see all the supporting documentation including canceled checks and bank statements. I have never in my life been late on a mortgage payment. You have created a terrible mess by misapplying the payment on XX/XX/XXXX to principle. I need this situation fixed immediately. I want every late fee ever charged to be refunded and most of all I WANT MY CREDIT REPORT FIXED!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to mXXXX XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX Account # apple credit card has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX I was tricked into using XXXX to send money. I received a text form XXXX saying there was a problem with my transaction of XXXX dollars which is the same amount of money as two items I had purchased and was trying to return. I called them to sort it out and they had me download an app called XXXX, and then told me I had to make the transactions ( but that the money wouldn't go out ) to make sure my account was working properly and my charges could be approved. They took a total of XXXX from my PNC checking account. As soon as I saw my checking account was empty I realized it was a scam. I immediately called PNC to report the fraud. They said they aren't liable because it was XXXX. Everything I have read about the EFTA Act Regulation E says this should fall under the same fraud coverage. I've filed fraud claims for all four transactions with XXXX as well. These are the 4 transactions. All took place on XX/XX/XXXX. PNCXXXX = XXXX, PNC*** XXXX XXXX, PNC*** = XXXX, PNC*** = XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contact and retained The XXXXXXXX XXXX, This Credit Reporting Agency has continued to allow these accounts to report in my name materially false and fraudulent accounts. 

We will also be sending out registered mail to the agency and dependent on the outcome we will choose the next steps. 

Please cease and desist all reporting of these accounts. 


Accounts include : XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Inquiry 's include : XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 2022-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Account was hacked and login information including address changed so that thieves could have physical debit card mailed to their address. I was not notified in any way that information had been changed from the bank. I opened new account and transferred money into new account and froze the account that had been hacked. Within one week of new account opened and absolutely no online transactions banking authorized {$10000.00} was transferred from my new account back into the old account that I had frozen. The Bank refuses to or denies any capabilities to find out who where or what made that transfer from the new account in which no online banking was authorized and account was supposedly locked for anyone including myself to do so without personally going into the bank and showing proper ID. I now have around {$11000.00} floating around at bank supposedly frozen that I am being told I have to wait for. The Bank could not even tell me how long I am going to have to wait for it to clear and them be able to refund my money and permanently close all of my accounts with the bank. I am not being forced to employ credit ID fraud company to monitor my accounts in an attempt to protect my ID and information from whomever is attempting to defraud my identity. The Bank is absolutely zero help and no one is reporting to authorities or police. I am personally reporting all the information to the cfpb and FBI. How can a Bank not have the ability to trace where a {$10000.00} transfer originated? The bank employees only used a simple chat room to attempt to answer my questions. No one was trained or had ability to deal with fraud or properly go through account information.

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 2022-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Paid the debt off in XX/XX/2022, to date company has acknowledge receipt of payment but is still reporting to the creditors that the debt is still outstanding, after several disputes through XXXX and 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 2022-09-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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