vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: WI

Complaint narrative:
On XX/XX/XXXX, I received my new statement and noticed it was {$5.00} higher than it's been since I got the account ( this is a installment account that was transferred to a credit card ). I looked at the statement and new " Account Maintenance Fee '' of {$5.00} was being charged that was accruing interest of {$0.00}. I called and asked them why they were charging this, and why I was never notified this would be happening. They claimed they sent an email on XX/XX/XXXX to my current email letting me know this would be a new change, and that I could " opt-out ''. When I told them I never received it, after reviewing my emails going back to XXXX, and that I wanted to opt-out now, they told me it was not possible. In addition, no notice was included in my statements, which i review monthly, and no messages were in my online inbox on their site. Their notice was never delivered, they did all they could to hide that this was happening, and I'd like this to be rectified in a fair way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
Im in the process of trying to buy a house. In the process of that It was brought to my attention that I have damages on my credit report. According to the 15 USC 1681 Law there should not be any damages on my credit report its defamation to my character

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
In XX/XX/XXXX the servicer for my mortgage was changed to Newrez. In XX/XX/XXXX, the new servicer sent me mails requesting proof of all insurance again. I provided proof of all insurance requested ( Property Insurance, Master condo flood insurance, supplemental property flood insurance and master condo hazard insurance ) On XX/XX/XXXX I provided proof of insurance for Master Condo Hazard insurance for current term, and renewed term ( XX/XX/XXXX - XX/XX/XXXX and XXXX XX/XX/XXXX ). 

I received mail dated XX/XX/XXXX saying I had not provided proof of master condo hazard insurance for period XX/XX/XXXX to XX/XX/XXXX, so the lender has placed insurance on my property for that period and I will be charged for it. I called the customer service number for the mortgage servicer and, they acknowledged that I sent the proof of insurance as requested, and they will not charge me for the lender placed insurance. 

On XX/XX/XXXX, there is an Escrow disbursement of {$59.00} from my account ( Note : My loan account does not have an escrow, since I pay taxes and insurance myself ), which shows up as a negative escrow balance on my account. Also I have till date not received any invoice or explanation for what the {$59.00} charge is for. 

I called the servicer customer service on XX/XX/XXXX to get more information on the {$59.00} escrow disbursement and I was told the {$59.00} charge was for the lender placed hazard insurance for period XX/XX/XXXX to XX/XX/XXXX. When confronted that I had provided timely proof of insurance during that period, I was told the charge would be removed in 5-7 business days. 

Upon checking my account on XX/XX/XXXX, I see that the charge has still not been removed, so I called the servicer customer service again, and this time I am told that the {$59.00} charge was not for the lender placed hazard policy as stated by the customer service representative on XX/XX/XXXX, but it is for the lender placed flood insurance. 

I had provided proof of supplemental flood insurance on XX/XX/XXXX, which I had purchased after the servicer sent a mail saying that the master condo flood policy coverage was not adequate. This proof was provided to the servicer within time frame permitted in the mail. 

As earlier stated, I have till date not received any invoice or explanation for what the {$59.00} charge on XX/XX/XXXX was for. The servicer also does not appear to have a clear understanding of what he charge is for either, since thier customer service gives me different answers at different times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BSI Financial Holdings, Inc.
State: MD

Complaint narrative:
I contacted XXXX when I was unable to make payments in XXXX of XXXX due to XXXX job loss again during that time. I was sent several contacts, who kept changing, to fill out the loss mitigation paperwork, which I did and returned. Subsequently I was sent the paperwork again a few months later with NEW POC info and called, got information and had to do it AGAIN. I continued to call monthly throughout XXXX, and into XXXX, during this loss mitigation process and was told monthly that it was in underwriting and that they were either short-staffed and/or backed up. I FINALLY received partial claim papers in XXXX and signed and returned by the XX/XX/XXXX date requested. It is now XX/XX/XXXX and I have been calling every few weeks and keep getting told that they are waiting for the funds to be released. I called last week now that it has been a month and a half and nothing has been done, meanwhile I am holding my end of the bargain and making monthly payments for both XXXX and XXXX per the partial claim contract. The representative told me last week to keep making payment and EVENTUALLY the system will update. She then escalated to Loss Mitigation to find out what was happening. Today, XX/XX/XXXX I called again and spoke with " XXXX '' in the Loss Mitigation department to find out what was going on after yet another week. We are now approaching XXXX months since the Partial Claim was signed and returned and over a year for that the entire Loss Mitigation process has been taking place because it is reflecting a XXXX XXXX XXXX' on my credit report. She said she see 's where it was escalated and they are still awaiting an update but are backed up. When I told her that BSI was reporting months and months ( almost a year ) of late payments and it states XXXX XXXX XXXX being reported on my credit report even though I was in loss mitigation, then signed the Partial Claim agreement, and have been making payments per the agreement, she stated that she would put in for an update to my credit report because during the continuous loss mitigation process it should not have been reporting delinquent payments and to wait XXXX business days for the update to be reflected. If I don't see it, she stated to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: MA

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate accounts that need to be reported and corrected by your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: MA

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate accounts that need to be reported and corrected by your company.

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 2024-05-16 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: TX

Complaint narrative:
I saw that I have an unauthorized credit inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Credit Glory LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I was charged {$270.00} to enroll in the credit repair XXXX XXXX, rather than paying a bill in collections for {$650.00}. I was promised that the charge in collections would be very easy to dispute, and the dispute would be finalized within XXXX months. After almost an entire year later, the company has failed to fulfill their promised service. However, I have been paying {$99.00} months as a recurring charge since XX/XX/XXXX until XX/XX/XXXX. The bank was able to retrieve a refund from the merchant for the previous XXXX charges within their XXXX statute of limitations. However, I have yet to receive the additional {$700.00} back from the charges incurred from XX/XX/XXXX to XX/XX/XXXX. 

In addition to that, the company coerced me to enroll in an identity protection programXXXX XXXX XXXX that is necessary to use with their credit repair services. This was a $ XXXX  monthly recurring charge as well which then increased to {$27.00} without my knowledge. I was being charged by this company as well from XX/XX/XXXX to XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Revolution Financial Inc.
State: TX

Complaint narrative:
I have placed in several police reports to resport identity thefy someoen stole my vehicle back in XXXX and my ID and items were in vehicle in XXXX missouri, also had car broken in to XXXX texas back in XXXX, police report XXXX police department report number XXXX the comapny states the amount was for XXXX that was done online with my name with the wrong social security number they are calling me form XXXX and emailing me from XXXX i have asked the past 7 years this to be removed and i send over the police reports and identity theft and credit breuau investigation reports that found this to be fraud i want this removed and for them to stop harrasing me

Company response to consumer: Untimely response
Consumer complaint received 2024-05-16 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: OK

Complaint narrative:
I requested documents that provided proof I gave authorization for these inquiries to be furnished on my consumer report. XXXX did not provide me with any evidence or proof that these inquiries were authorized and responded with no proof of authorization but further reported the inaccurate information on my consumer report every month. I am attaching an identity theft report to this complaint as these inquiries are unauthorized to be reported on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My payments are always made on time ; I'm absolutely sure of this. However, I'm unsure why this company is reporting me as late for certain months, which is incorrect. According to USC 1666b, any billing errors should be rectified, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.

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 2024-05-16 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: GA

Complaint narrative:
Chase allowed someone to withdrawal {$22000.00} from my checking account with a withdrawal slip ( not a check ). They are not dont anything to address this issue which occurred on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: IN

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After your investigation the account still is reporting late for XXXX and XX/XX/2023. However I for sure paid this account on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following XXXX and XX/XX/2023. 

I have requested a statement and or proof that I was late on this account and have not received such documentation. 

In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

I am requesting that you immediately update this account to paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.

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 2024-05-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
My complaint is with my mortgage company Rocket Mortgage/Quicken Loans . I hope I get a call back so I can explain in better detail, but basically, we went behind on our mortgage and the only solution the mortgage company gave us was to pay {$4500.00} a month for six months which was supposed to correct or make us even from this debt of over {$16000.00} that was missing payments and a lot of fees. I dont know how we did it but somehow for four months we made the payment of {$4500.00} but supposedly for the last two payments, they said ( mortgage company ) that they didnt receive/declined payment because money was caught in electronic limbo land because we had to transfer from different accounts into that one to total of XXXX so they can take it. WELLL, its funny how they had no problem taking it the other four months but at the end now they didnt take. It said they tried we failed to pay and now we owe over {$11000.00}. If we owed XXXX something to start and I gave you XXXX a month for 4 months that I definitely know of. Well, we dont need a mathematician to figure out that thats {$18000.00} right there before they supposedly were supposed to take our last two payments of XXXX each. Thats definitely not all though, not even close. About seven months ago at least my wife took out XXXX from her 401 ( k ) to try to fix this debt of {$16000.00} and the mortgage company WOULD NOT TAKE THE PAYMENT. I repeat would not take XXXX so we can fix this mess and start moving forward positively in our life. No!, they said pretty much the only way to keep our house is to do that payment plan, WHICH, was absolutely setting us up for failure, and they are still in the process of setting us up for failure. PLEASE SOMEONE HELP ME AND MY FAMILY!!! I am XXXX  combat XXXX veteran who served for this country honorably and now I have a Bank who is setting me up for failure who will not take money or payments towards our obviously ever growing debt mortgage problem. Honestly, I am not being dramatic in saying that in my eyes. This is absolutely a criminal act towards not only a born here CITIZEN but an actual XXXX XXXX  veteran who fought for this country so I can hopefully make it HOME and WHAT? With the fact being said that, I truly except and are willing to deal with the consequences of missing payments due to bad life events ; BUT To come back and finally achieve a dream of owning a home in my country that I love to have the banking system set me up for failure, by not taking delinquent payments, so we can get ahead or just even. Someone please call me back and help me with this nauseating situation regarding a financial institution Rocket Mortgage quicken loans. PLEASE. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees, and I urgently require your assistance to address this issue.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief