vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
Hello, MR. Cooper Mortgagee Company has raised my escrow payments significantly during the last 12-month period. It kept raising my escrow balance based on falsely provided City Tax rates. I attached forms that show the correct figures. Mr. Cooper continues to make unrealistic hikes to my escrow that do not align with my current HAZARD insurance and City Tax rates. Mr. Cooper is not committed to paying my property taxes on time, resulting in fines and penalties that Mr. Cooper has added to my escrow account under the disguise of 'Escrow Shortage. '

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This company is awful to work with. They reported a 30 day late payment on my credit report which is incorrect and refuse to correct or remove it. I have documentation that payment was made on time. 

XXXX XXXX : XX/XX/XXXX ( XXXX ) External Withdrawal XXXX Mortgage Pay - Web Pay XXXX Principal : {$710.00} Interest : {$0.00} Escrow : {$0.00} Escrow Balance : {$0.00} LateCharge : {$0.00} Unapplied : {$0.00} Principal Balance : {$72000.00} XXXX Unapplied Funds Unidentified - Lockbox Rejects ( used for sweeping funds ) XX/XX/XXXX XXXX Unapplied Funds Unidentified - Lockbox Rejects ( used for sweeping funds ) XX/XX/XXXX XXXX Single Item Receipt - Via XXXX XX/XX/XXXX XXXX Unapplied Funds Unidentified - Lockbox Rejects ( used for sweeping funds ) XX/XX/XXXX XXXX Unapplied Funds Unidentified - Lockbox Rejects ( used for sweeping funds ) XX/XX/XXXX XXXX Electronic Payment - Autopost

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 2024-02-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
occurred : XXXX amount : {$70.00} actions : It seems the `cash app` XXXX application is designed to make it easy to mistakenly transfer money using the instant transfer button, thereby incurring steep fees for the transaction. Normally, there would be a confirmation step clearly stating the fees involved whereby the customer can make an informed decision to proceed or exit accordingly. Instead the app immediately executes the transaction with no recourse. The end result is a consumer who is tricked into thinking they are the fool, rather than the app specifically being designed in a way to promote that mistake ( a feature, rather than a bug ). 
In my specific case ; I tried to resolve using the help chatbot, which told me to send the money back to cash app ( effectively reversing the transaction ), then the chatbot replied with nothing more than a ". ", and said it could no longer help me on that problem. Customer service said they couldn't help me, and literally hung up before I could ask a follow up question. When I called back again to ask for a manager, they said the manager was email only ( which I suspect is not a manager at all ). So at the end of the day, they kept the {$70.00} transaction fee, but the money I intended to transfer was still with cash app as the " help '' bot had instructed me to return the money..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: Ocwen Financial Corporation
State: AZ

Complaint narrative:
XX/XX/XXXX Loan Modification executed as a XXXX XXXX. 
XX/XX/XXXX Selling home title company sent Payoff Request. ( Attached ) {$84000.00} mortgage pay off {$110000.00} XXXX XXXX allowed the agreement ( Attached ) XX/XX/XXXX called PHH assigned to XXXX case manager. 
XXXX submitted via email receipts, bank statements of XXXX in documented XXXX  improvements allowed by the XXXX XXXX Agreement. 
XX/XX/XXXX XXXX for XXXX  XX/XX/XXXX Called spoke to XXXX XXXX said he would have XXXX call me and received no call back. 
XX/XX/XXXX Called spoke to XXXX XXXX said he would have XXXX  call me and received no call back. 
XX/XX/XXXX Left voicemail for XXXX and received no call back. 
XX/XX/XXXX Called spoke to XXXX XXXX said he would have XXXX  call me and received no call back.and received no call back. 
XX/XX/XXXX Called spoke to XXXX said he would have XXXX  call me and received no call back. 
XX/XX/XXXX XXXX said he would have XXXX  call me and received no call back.and received no call back. 
XX/XX/XXXX XXXX said he would have XXXX  call me and received no call back.and received no call back. 
XX/XX/XXXX Called asked for manager of XXXX said there isnt one for me to talk to. Asked for a USA CSR rep. 
XX/XX/XXXX XXXX took my call said they would message XXXX and or call me back. 

I have asked each person on the recorded line for their accounting of the XXXX  XXXX  I have submitted and allowed by the XXXX XXXX Agreement. I have emailed since XX/XX/XXXX costs with receipts and bank statement backups of XXXX  XXXX that would reduce their XXXX XXXX from XXXX down by XXXX in valid XXXX  XXXX. Each time I call I ask for what is approved and the new number. No one can seem to provide me this. My home closes on XX/XX/XXXX and that XXXX would be a huge cost savings to me on my payoff. 

Added confusion is the layers of this place. My loan was with Ocwen, but now payoff comes from XXXX c/o PHH Mtg. When you call the number on the payoff, they send you to Ocwen and no one is in XXXX, but XXXX. Language barrier is horrible. 

They need to be accountable and available with assisting me with this final payoff amount. I am getting the run around, complete avoidance and I feel this is done intentional to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: FL

Complaint narrative:
I urgently urge you to promptly remove the unauthorized accounts from my credit report, as I did not authorize them and they are causing me considerable distress. Please rectify this error swiftly.

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 2024-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I've been called repeatedly for over a year, more than 5 times daily by Portfolio Recovery. They call from private and blocked numbers and call at inappropriate times. 
I have spoken with a representative and asked them what the debt was for, they didn't answer me and they hung up. 
I'm being harassed daily by this company, they've also left messages about taking legal action against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XX/XX/XXXX, XXXX XXXX I was charged interest each month over the statement balance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX, XXXX charged my PayPal MC {$10000.00}. I disputed this information on XX/XX/XXXX with Synchrony Bank. They took the charge off and said they were starting a fraud investigation. On XX/XX/XXXX Synchrony Bank denied the fraud claim and said I received product at my home residence and I benefited from this charge. I received nothing from the charge and I did not charge or allow anyone to use my charge card. I had Synchrony Bank open another fraud case on approximately XX/XX/XXXX. To date NO one from Synchrony Bank Fraud Dept has contacted me, given me any proof of this purchase, or what I supposedly purchased with a {$10000.00} charge. I found out this charge is from a liquor store DBA XXXX XXXX aka XXXX, XXXX. I have filed a police report with XXXX XXXX XXXX XXXX in GA. The county the offense took place. I have given proof to the Sheriffs office and Synchrony Bank. It still shows on all the credit bureaus that I owe this money.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: FL

Complaint narrative:
I urgently urge you to promptly remove the unauthorized accounts from my credit report, as I did not authorize them and they are causing me considerable distress. Please rectify this error swiftly.

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 2024-02-29 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:
Inquiries attached on my account are not initiated with me, it doesn't belong on my credit report please remove it as it is a fraudulent inquiries.

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 2024-02-29 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: EQUIFAX, INC.
State: MS

Complaint narrative:
The credit bureaus are mishandling my credit files. There are 3rd parties listed on my credit reports giving out fraudulent information. The credit bureaus are in violation of the Fair Credit Report Act of 15 USC 1681 Rule 624 in that they are governing the unfair and fraudulent reporting from these third parties. Under Rule 624 - the opt out rule - I am asking that all third parties not report any information on my credit report. I am asking that my credit report only reflect the relationship/outcome/status from the original creditor only. I did not sign any papers giving any creditor collection company relationship in any of my credit affairs. To have a 3rd party person of whom I have not signed a relationship with ; of who I did not receive a service nor product from violates my 14 Amendment Rights to equal Citizenship. You do not have 3rd parties reporting on other Citizens credit who are given positive credit ratings. I am due the same rights with my negative ratings as well. This is equal Citizenship rights. When I fail to pay a financial dept the laws of this country have penalties in place to sanction this type of wrong doing. That debt is repaid by 7 years of retaliation from others not even involved. When someone commits a murder. We can not kill that person for killing someone else. Then for you to allow collection companies to purchase my debt from someone else and expect me to pay them violates my constitutional rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: MS

Complaint narrative:
The credit bureaus are mishandling my credit files. There are 3rd parties listed on my credit reports giving out fraudulent information. The credit bureaus are in violation of the Fair Credit Report Act of 15 USC 1681 Rule 624 in that they are governing the unfair and fraudulent reporting from these third parties. Under Rule 624 - the opt out rule - I am asking that all third parties not report any information on my credit report. I am asking that my credit report only reflect the relationship/outcome/status from the original creditor only. I did not sign any papers giving any creditor collection company relationship in any of my credit affairs. To have a 3rd party person of whom I have not signed a relationship with ; of who I did not receive a service nor product from violates my 14 Amendment Rights to equal Citizenship. You do not have 3rd parties reporting on other Citizens credit who are given positive credit ratings. I am due the same rights with my negative ratings as well. This is equal Citizenship rights. When I fail to pay a financial dept the laws of this country have penalties in place to sanction this type of wrong doing. That debt is repaid by 7 years of retaliation from others not even involved. When someone commits a murder. We can not kill that person for killing someone else. Then for you to allow collection companies to purchase my debt from someone else and expect me to pay them violates my constitutional rights.

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 2024-02-29 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: FL

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding the unresolved disputes I have raised with XXXX, Equifax, and XXXX regarding inaccuracies on my credit report. Despite my efforts to rectify these issues, it has now been over 30 days without any response from your agencies. 

Enclosed are copies of the dispute letters previously sent, highlighting the violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), specifically : Failure to mark disputed accounts as such, as required by FCRA 623 ( a ) b ).

Incorrect reporting period under FCRA 605 ( c ), reflecting the date of last activity instead of the last payment date.

Continuous failure to validate collection accounts, a violation of FDCPA 809b per the FTC opinion. 
In light of these violations and the potential impact on my financial standing, I am requesting the immediate removal of the disputed accounts from my credit report. 

I expect prompt action from your agencies to rectify these inaccuracies and provide written confirmation of their removal at the earliest opportunity. 

Failure to comply with this request will leave me no option but to pursue further legal action to protect my rights. 

Please acknowledge receipt of this letter and provide a timeline for resolution. I am available for any further communication at the contact details provided above. 

Thank you for your urgent attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Rosebud Economic Development Corporation
State: WA

Complaint narrative:
on XXXX XX/XX/year>, I applied for a loan through Three Sticks Lendings website. During the process, there is no mention of terms. When applying I had to submit my information for a credit pull. They pulled my credit and I was approved for {$1200.00}. 

After looking all over their site, I finally found the loan terms and they were at a abnormal amount of interest which I consider predatory. They wanted me to pay {$340.00} every 2 weeks for the next 11 months to pay back {$1200.00}. Which is almost triple of the borrowed amount. This should be illegal!!! I have runied my credit with an inquiry. If I had known their terms, I would not have even applied.

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 2024-02-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: MI

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, lowa XXXX Subject : Formal Complaint against L J Ross Associates, INC Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against L J Ross Associates, INC for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that L J Ross Associates, INC placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt.

I hereby declare my revocation of all communication channels with L J Ross Associates, INC, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that L J Ross Associates, INC provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If L J Ross Associates, INC is unable to produce this documentation, I demand the immediate deletion of the account from my credit report.

The date on my consumer report indicating that I opened an account with L J Ross Associates, INC is blatantly false. I neither received any services or products from L J Ross Associates, INC nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights.

Moreover, it has come to my attention that L J Ross Associates, INC is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution.

The actions of L J Ross Associates, INC constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions.

Please keep me informed about the progress of this complaint, and want to thank you for your time! 
Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation