vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I wrote to the 3 credit reporting agencies Experian, XXXX XXXX XXXX XXXXXXXX  explaining the section 15 USC 1681a. Means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. which was not fulfilled on my end, I have multiple inquiries that have not gave consent for, Credit Card Utilization, XXXX car installment loan. XXXX wrote me a response XXXX, XXXX XXXX, & Experian all are saying the information is accurate

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 2024-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Finance LLC
State: DE

Complaint narrative:
In XXXX of 2023, I agreed to a financing loan through American Finance Llc for a used vehicle purchased through XXXX XXXX in XXXX, DE. I was told that I would be signing a 4.5 year loan for {$14000.00}, and my payment would be {$200.00} every two weeks. I have made payments of {$210.00} every two weeks for approximately 10 months, bringing my total payments to roughly around {$4000.00}. To date, American Finance Llc has only reported less than {$1000.00} as paid on the loan, indicating approximately 70 % of my payments have gone into interest or have not been applied to the loan. Additionally, my credit report was displaying a loan term of six years, which was verbally confirmed when I called and spoke to someone named XXXX. When I initially requested my contract be emailed, I was sent the wrong person 's contract, which is a breach of that person 's information. I was then sent my own after another request, and used that to prove what terms I had agreed to. I have called and emailed several times to resolve these issues. The loan term was adjusted and now shows a five year loan for credit reporting, which is still not what I signed on the contract. Additionally, the payments have not been reflected, and my car is now indicating over {$6000.00} in negative equity because the payments have not been corrected, and this amount should only be approximately {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
In XX/XX/2023 I received notice that my mortgage was being transferred from Homepoint to Mr. Cooper ( Nationstar Mortgage dba Mr. Cooper.com ). I was given instructions to set up an online account to access my mortgage via Mr. Cooper. I followed the process as instructed. That process has not worked, and I have not had access to my online mortgage information since XXXX. I have called repeatedly to get the issue resolved and been promised repeatedly that it will be resolved within 48 hours. I have been promised a call back to confirm that it has been resolved but have never received a call back. I have been told repeatedly that the problem has been referred to the " web team '', but this has been going on for months with no resolution. Recently Mr. Cooper failed to make proper escrow payments, resulting in financial penalties for overdue taxes, which they indicated they would cover. Yesterday I received an automated " Happy Birthday '' message from Mr. Cooper, but my birthday is not until XXXX. I suspect they have a corrupted database that has merged my information with another client 's, though I honestly have no idea because I can not get a straight answer from them. I need this issue resolved so that I can manage my mortgage as I work through a divorce. Thank you for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2024-02-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, my name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Rushmore Servicing sent me my XXXX 1098 Form and it was incorrect. When I called them, they has no idea or how to resolve. Who knows how many other customers were affected by this and all of these incorrect 1098 's have also been sent to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
I am writing to file a formal complaint against the Missouri Higher Education Loan Authority ( MOHELA ) for their egregious mishandling of my Public Service Loan Forgiveness ( PSLF ) application. 

On XX/XX/2023, I diligently submitted all necessary documentation for the PSLF program through MOHELA. Despite repeated attempts to elicit any form of response or progress update, I have been met with absolute silence. It is now XXXX, marking a staggering five-month period of complete neglect and disregard for my inquiries and the status of my application. 

This utter lack of communication and abysmal delay in processing my application is utterly unacceptable. As a borrower navigating the complexities of student loan forgiveness programs, I am appalled by MOHELA 's blatant disregard for accountability and transparency. The prolonged wait without any indication of progress has caused immense frustration, XXXX, and financial strain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: MS

Complaint narrative:
A longstanding personal credit card account was closed with no notification or call to action from PNC. 

The account was opened on XX/XX/XXXX, XXXX of my oldest credit accounts ( XXXX yrs XXXX months ). The account was current, in good standing, had no remarks ( according to my credit report ), and the entire balance was available. 100 % of my payments were on time. 

The only communication from PNC was a letter dated XX/XX/XXXX stating " Your inactive credit card account has been closed. '' with no call to action or communication prior to this notice. 

When contacting the company ( PNC ), they claimed to have sent a letter 90 days prior to account closure, which I never received, and PNC agents could not give specifics related to my account ( ie. date of letter, dates of attempts to contact, or any notice of account closure ) The PNC 'Retail Escalations Group ' agent who followed up ( XXXX XXXX was also unable to send simple verification text messages, demonstrating further evidence of inability to communicate with customers in an efficient and timely manner. 

This account closure has impacted my personal creditworthiness as ( a ) it was my longest standing credit account ( b ) changed my total credit utilization to be above 30 % as the entirety of the credit was available. 

PNC 's suggestion was to contact a 'sales representative ' to apply for another line of credit, an action which would further impact my credit score while losing the benefit of a longstanding account in great status. 

It is unfathomable that PNC, a financial institution in which I personally have an outstanding relationship, would not take steps to ensure accurate and timely communication to ensure customer/account retention and remedy a mistake that falls entirely on the shoulders of PNC. 

I can get a new credit card. I can more than likely get a new credit card with PNC, most likely with a much higher credit limit ; however this does nothing to correct the damage to my credit, undo the negative impact on my borrowing power, or rectify the distrust sown through negligent actions of PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I owe about XXXX in debt to the XXXX XXXX XXXX XXXX which is under the XXXX XXXX XXXX XXXX XXXX, they turn the debt over to Trans World Sytems Inc they are saying I have to pay them XXXX extra dollars on the debt because they turn it over to them, at a rate of XXXX Interest until I pay off the debt. They sent me a letter saying that if I don't satisfy this debt that they will began taking payments out of my Social Security benefit payments, I also told them that I could pay them XXXX a month on the debt, and they said it would take me 30 years to pay off the debt at 23.9 percent interest, they told me I would have to pay a minimum of XXXX a month for 36 months, I also called the XXXX XXXX XXXX and told them that I could pay on the card they gave me, but they said they turned the account over to collections and they would not be able to accept no payments from me on the card,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/XXXX I made a purchase at XXXXXXXX XXXX with my card for {$29.00}. The next day I see a second transaction in my bank account for {$50.00} from the same business and day. I went to the store to complain and they reviewed the tape of card purchases that day. And they responded to me that they only have XXXX transaction for that card for {$29.00} I proceed to call the bank to make the claim. I called for status after 10 days and they informed me that the transaction proceeded and that it was made with a PIN. I also received it in writing in a letter. He explained and asked if they went to the store to corroborate what they told me. And they submitted a reconsideration called on XX/XX/XXXX and they responded the same as the first claim. I went to the store and they told me that the bank did not call them or request information. And he gave me a copy of the card report showing XXXX transaction for {$29.00} What I want is for them to credit me with the {$50.00} they debited me that I did not do. I only made XXXX for {$29.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
XXXX XXXX, XXXX XXXX. refused to acknowledge Roundpoint illegally cashed payment made in XXXX. Customer Service received our complaints dozens of times, without remedying the problem. 
Copy of communications and bank statement evidence previously submitted are attached to this complaint.

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX had reported a late payment in XXXX. In XXXX, this late report was corrected and was removed from my report. 

In XX/XX/XXXX, Equifax and XXXX began reporting this payment as a late payment, which caused my credit to drop by XXXX points. I've reached out to them both countless times, as well as XXXX to find out why this had reappeared on my credit report. 

XXXX ( XXXX / XXXX ) advised they did not instruct Equifax or any reporting credit agency to relist this late payment. In addition, this is not reported with XXXX or XXXX. 

Equifax XXXX is not removing this error from my credit report even after countless disputes and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I got the check of {$2200.00} sent home. However, the numbers at the bottom was not readable and I was unable to cash it even though I tried at multiple chase branches. They told me to contact a number to issue me a new check which I did but I never got another check sent home. I then went in person to a chase branch and the check verifier or whoever can write checks there told me I will get a check sent home anywhere from 2 business day to a week after speaking on the phone with another person. However, its been two weeks and I have yet to see a check sent home. I have tried to resolve both on phone and in person to no avail. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
After our XXXX normal mortgage payment, we received our XXXX Statement. It was {$250.00} more a month. We called and asked why. They stated our an escrow shortage and stated we would have to pay {$250.00} more a month to cover it. We asked why were we not notified of this change and asked for proof explaining the shortage. Nothing. We call once a week asking for this proof to be mailed or emailed. Nothing. We have since come to find out we are not the only Carrington Mortgage customers that this is happening to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I disputed a unauthorized charge from XX/XX/year> for {$140.00}. Citi looked into this and the vendor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) said we received the merchandise to our HOME ADDRESS so they reversed the charge back to me. I then took it upon myself to look into delivery options from XXXX XXXX XXXX and they do not offer shipping to home address and will only email the tickets to the purchaser. The email address used was not mine or my wife 's so that is how they stole our identity and purchased tickets ... nothing was sent to my home address and I contacted Citi and explained this to them but they still won't reverse the charge and have delayed this for almost 6 months now and are charging late fees and interest and constantly calling me to make payment. I have called them many times asking what else they need from me to prove this was an unauthorized payment and they say they are looking into it... nothing ever gets done and I am fed up with them treating me like a criminal as we had 4 charges total that were unauthorized on XX/XX/year> and they deemed 3 of the 4 charges not mine but keep trying to get me to pay for this 4th charge even though our identity was stolen on this date and they all used my wife 's name and address but a different email address, not ours.

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 monetary relief
Consumer complaint received 2024-02-05 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
I recently got a copy of my credit report as I was recently denied for credit. As I was reviewing my credit, I noticed a few inaccuracies and would like your help in correcting these errors. There are some inquiries reporting that I have no knowledge of. I have NOT given the listed companies permission or consent to obtain a copy of my report. 
According to Section 604 FCRA, any company that acquires a copy of my credit report as to have permissible purpose or proof that I initiated an inquiry. Please send me communication from these companies of what they consider permissible purpose as I am deeply concerned about who has had access to my credit file. Credit reports are indicators of a consumers credit worthiness and mine is incorrect therefore resulting denials. This is damaging to my financial reputation. 
I also understand that written authorization for all inquiries listed must be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these deleted immediately. 
If concluded online or internet, please provide the IP Address associated with the authorized inquiry which I seem to have serious doubts it was done. 
I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am demanding you to kindly delete these inquiry ( s ) from my credit report of, because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose.

Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently. Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation