vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-19 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 XXXX has me at a score around XXXX. 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: OH

Complaint narrative:
I had an auto loan with XXXX XXXX back in XXXX. The engine died in XX/XX/XXXX and my warranty was not granted. I continued to make the payments because I didnt want to mess up my credit even more. Financially unable to continue to make payments, I stopped in XX/XX/XXXX. The account got charged off in XX/XX/XXXX. Once charged off it is continuing to report as " CHARGED OFF '' with an updated balance every month. I found a few inaccuracies and disputed this with the bureaus requesting to have the account DELETED due to inaccurate information and the account was not removed but updated. I called XXXX to resolve and was advised the account is CO but still accruing interest and they would not remove. I also received an alert that the account has been re-opened to which I am advised it can not be reopened once charged off.

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 2022-08-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I had an auto loan with XXXX XXXX back in XXXX. The engine died in XX/XX/XXXX and my warranty was not granted. I continued to make the payments because I didnt want to mess up my credit even more. Financially unable to continue to make payments, I stopped in XX/XX/XXXX. The account got charged off in XX/XX/XXXX. Once charged off it is continuing to report as " CHARGED OFF '' with an updated balance every month. I found a few inaccuracies and disputed this with the bureaus requesting to have the account DELETED due to inaccurate information and the account was not removed but updated. I called XXXX to resolve and was advised the account is CO but still accruing interest and they would not remove. I also received an alert that the account has been re-opened to which I am advised it can not be reopened once charged off.

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 2022-08-19 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 year 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
Consumer complaint received 2022-08-19 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 XXXX has me at a score around XXXX. 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 year 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 2022-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had submitted 2 postal money orders in the same envelope to Capital One. One for {$1000.00} and one for {$200.00}. The envelope was delivered and only the {$200.00} was cashed. The {$1000.00} went missing ; yet these were both in the same envelope. I believe they only did the {$200.00} because the {$1000.00} would give me lesser interest. I dont understand how a check goes missing while the other check was fine when theyre both in the same sealed envelope. I have to wait 90 days before I get a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I have been paying this loan of XXXX for over 10 years. Something is wrong! Too much money each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My mortgage is serviced by PHH Mortgage. The home in this case is a condominium which has an HOA. The HOA provides insurance for the building, including flood insurance which covers the inner dwellings of the units. The complex is located in a flood zone. PHH mortgage has ordered flood insurance and has added the premium to my monthly escrow, resulting in a 33 % increase in my payment. Considering that the HOA 's insurance policy already covers this, an additional insurance is not required. I have called PHH Mortgage countless times now and discussed this matter with the insurance department. Each time, I am told that the policy that they ordered is a duplicate and not needed ( I have provided PHH with the HOA 's policy!! ) and after an escrow analysis the additional flood insurance would be removed and my previous payment would be reinstated. Yet, they have not made an adjustment and are charging me an over-inflated rate. Not only is this poor customer management, this should not be legal and if PHH Mortgage is treating me like this it should not be a surprise if many other home owner are in the same situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America, branch at XXXX XXXX, XXXXXXXX XXXX XXXX, NJ, is running a racket. I used an ATM Card at XXXXXXXX XXXX, and at XXXXXXXX XXXX, after 5, minutes my vehicle was already hooked by tow truck, please see BOA withdrawal receipt & Towing time. The Tow truck driver harassed me to pay {$150.00}, otherwise, he would compound my vehicle and I would have to pay extra for overnight, so I called the police and Police officer stated it is a BOA Private parking, and police did not have any jurisdiction. I had no choice, so I offered the Tow truck driver to charge it on my credit card, but he insisted payment in cash, so I went back at BOA ATM and withdrew money to pay in Cash, {$150.00}. Therefore, I request that BOA, refund {$150.00}, and pay restitution fee. 
Thank you. 
Sincerely, 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 explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On or BeforeXXXX, I opened a Accounts Checking and Savings Account @ BankofAmerica. With my A.C.H. SSI XXXX INSURANCE, A.C.H. SSDI XXXX insurance coverage from my Lawsuit I have from XXXX, IN I WON my LAWSUIT @ XXXX GA and BankofAmerica wouldn't let me spend my Money like A Grown Woman. For 7 yrs I dealt with Banks, that Stand for their Company, I Won my LAWSUIT not in XXXX Indiana, But Georgia, And I want JUSTICE, and LIBERTY for ALL The AMERICANS Stand For CHRISTIAN COUNTRY

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 2022-08-19 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: MS

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 XXXXXXXX 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 year 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 2022-08-19 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: MS

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 XXXX has me at a score around XXXX. 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 year 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 2022-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NOVA Financial Holding Company, LLC
State: AZ

Complaint narrative:
In XXXX, Nova Financial & Investment, my mortgage holder, applied my ON TIME PAYMENT of {$1000.00} to miscellaneous NEW subaccounts, including 1 called 'unapplied balance '. They then 1- reported me LATE to the credit bureaus and 2- began an escrow account that I never requested nor agreed to. 

I contacted the company in mid XXXX and was informed that I had a 'late balance due ' of {$270.00}. This was a strange number to me. Later on XX/XX/XXXX, XXXX informed me via tele that MY LOAN PMT INCREASED IN XXXX. I was then informed that only {$950.00} was received. This could not be. As I had just sent my XXXX payment for the same, agreed to at signing, amount of {$1000.00}. This was when I discovered their 'creative " accounting practices. And learned that monies were sent to XXXX XXXX for my property taxes. I had paid these same taxes in late XXXX, and sent Nova PROOF just as they had requested. Its clear to me now they did this to create and collect on UNJUST LATE FEES. and in the process, they wrecked my credit. Banks recently were fined for the exact same fraudulent FEE practices on checking accounts. 

On XX/XX/XXXX I emailed a complaint directly to XXXX and received a 'verification email ' that it was received and ACTION would be taken. Also, I would be contacted by XXXX XXXX within 2 days. She later said that she would 'submit to credit for a review today ' and immediately get back to me. 

It is now XX/XX/XXXX, and I have heard nothing. My good credit, and record of ON TIME payments, is now wrecked thanks to Nova. And their creative bookkeeping practices continue. Will you please 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
Consumer complaint received 2022-08-19 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: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
XXXX of XXXX account was setup through XXXX XXXXTD Bank with autopayment draft. In XX/XX/XXXX either the creditor changed programs or had an internal issue regarding their autopayment software. I was notified that a payment had not been received. I contacted the creditor directly and was told that the error was indeed on their side and that they would remove any and all late fees and assured me no reporting to consumer reporting agencies. Furthermore, at no time was the account ever close to being 30 days late. After rectifying and assuring me that autopayment was correctly set up, the same thing occurred the following month. Once again I contacted the creditor and the process was repeated. Again, at no time was this account past 30 days late. 

Approximately two days ago I checked my credit report and noticed that the creditor had reported ( 30 days + late ) status on my credit report. I have excellent credit and no history of late payments with any creditors. This inaccurate reporting has resulted in two long term creditors revoking my 0 % rate which in term has now cost me damages in the form of increased loan interest. My legal counsel requested this account be disputed with the CRA 's and complaints filed with the XXXX and CFPB as a first step. I have detailed call logs of my interactions with XXXX XXXX XXXX TD Bank, but have been advised to not disclose at this time. If more info is needed, it can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I enrolled at XXXX XXXX XXXX in XXXX I was told that they had 90 % placement after graduating and this was a recognized university. After graduation I planned on enrolling in military as an officer and found out that they are not recognized and my Bachelors degree was not from an accredited University. The hours and classes at this college can be anytime 24 hours and schedules change every month so it was impossible to get a job so they suggested that you take living expenses from the private loans. At the time I was only XXXX and my mother who co-signed was not a college graduate herself and we feel like we were misled into paying for a non accredited college. This has completely ruined my life. I will be in debt until I die. The original loan amount was $ XXXX I owe $ XXXX and I have been making my payments on time for 15 years. My loan originator was Sallie Mae now Naviant. XXXX XXXXXXXX owners recently celebrated their XXXX earnings. This college is a fraud and scams thousands of young adults every year also trapping their cosigners. I hope there are lawsuit against them just like I am seeing lawsuits against XXXX XXXX. Thank you for your efforts and I hope this can be brought to light.

Company response to consumer: Closed with explanation