vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
someone opened a fraudulent account for XXXX using my SSN. I was never told anything about this until it showed up on my credit report as I tried to finance my home

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 2022-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
Regarding the XXXX XXXX XXXX XXXX program, FedLoan Servicing sent me ( and thousands of other borrowers ) erroneous letters labeled " PSLF Application Results '' that contain this line : " The charts above display the total number of eligible and qualifying payments you have made ( out of the required XXXX ) on your eligible loans for XXXX and XXXX, including any periods we have assessed as eligible or qualifying under the Limited PSLF Waiver. '' This information is incorrect and misleading, as the Department of Education has not yet applied the XXXX XXXX XXXX payments to most borrowers ' accounts. 

Since I just reconsolidated my loans to get the highest payment count on all my loans, my qualifying payment counts went from around XXXX and XXXX to XXXX. I also have at least XXXX to XXXX old payments that should qualify under the XXXX XXXX XXXX. 

I understand that it's taking some time for the Dept of Ed to apply the waiver to so many accounts, however, it is incorrect and distressing to borrowers to get letters from their loan servicer saying that the waiver payments have already been applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
I contacted credit collection services to pay a debt that they reported on my credit report. When I spoke to the representative they tried to imply that paying the debt would and updating the account balance to {$0.00} effect my credit score and that they couldn't remove it as that would be a violation of FCRA which is incorrect by both the letter of the law and the case law around this issue. Upon speaking with the supervisor she repeated this information and stated they are trained to tell people this and commonly do so. In addition it took multiple attempts to contact them as they wouldn't answer the phone limiting my ability to pay the debt. Finally they acknowledged that the address they had was incorrect but they made no attempt to get an accurate address and report the information correctly as per the FCRA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc.
State: NY

Complaint narrative:
I was talking to my husband of my cousin through XXXX, I thought it was him. I was investing money {$500.00} and I was suppose to get money back in order to get money I had to follow with the person he was working with so I gave my info and had to go to email to withdraw after that, they were requesting to pay network fee to withdraw money. I was concern because they were asking {$800.00} but I told them they took all that I had. I realized it was my cousin when he made me hold for XXXX mins and his boss was horrible in helping me. I asked him what's my aunt 's name and he couldn't answer. I couldn't get money back and had to change card and file a complaint to bank. My cousin told me that the night before his account was hacked and that person wasn't her husband. They were insisting to pay something and this person was calling me so I can continue because I wasn't doing everything they wanted me to do. I got called the night after and I took a screen shot of the procedure. I just don't want them to do it to someone else. This investment was from bitcoin.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax XXXX XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Balance {$680.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Giggle Finance Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I contracted for a loan with Giggle Finance for my business XXXX XXXX XXXX. I gave authorization for the ACH debit of funds from the XXXX XXXX XXXX XXXX XXXX XXXX bank account ending in XXXX. I have XXXX accounts in total with XXXX. 
Giggle Finance is accessing my other business accounts randomly and withdrawing funds at different increments. I have not failed to make any payments. From XX/XX/XXXX to XX/XX/XXXX Giggle has withdrawn their XXXX without incident. On XX/XX/XXXX Giggle finance gained unauthorized access to XXXX of my other business accounts and withdrew funding in the amount of XXXX. The account is for a totally different business and is not listed in the contract. The XXXX account was the account that I gave permission to use to repay the loan. I immediately contacted Giggle Finance XXXX XXXX and spoke with XXXX XXXX at XXXX XXXX. He was so rude and unprofessional blaming me for their mistake. He told me that I could not revoke the ACH authorization which is in direct conflict with what is stated in section XXXX last paragraph. I do not want Giggle Finance accessing my accounts. This is the beginning stage of an accounting nightmare. I own several businesses and would never know which account they are accessing until after the fact. Further, I would never know where to deposit the funds for the loan. Giggle Finance has failed to provide me with any confirmation of cancellation of the ACH authorization. I believe this is a fraudulent company and I don't feel that I can trust this. I hope this can be investigated. I put in writing XXXX request to remove the ACH authorization. XXXX specifically argued with me about my right to request ACH cancellation. He is misrepresented the contract intentionally. I am submitting a copy of the contract and bank activity records to show that the money was in the XXXX account and that there was no reason to access any other account. I discovered this and had to start transferring money so that my rent check for my store would not bounce. This has caused me much discomfort and stress. The worst part was when XXXX blamed me for this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
This is an additional complaint, about a continued failure of PHH to comply with Federal law and pay a delinquent tax bill on a property that they service the mortgage for. Consult the first complaint for the circumstances that led to there being a delinquent tax bill. 

This complaint is a separate, second issue, which is that once I notified PHH of their previous failure, they have continued to fail to correct the action by paying the bill. I first notified them on XX/XX/XXXX through their website. Then as of early XXXX I started routine phone calls with " escalation managers '' who are utterly incapable, unempowered, to do anything about the problem. They say that they have passed along the problem to the tax department, but they refuse to put me in touch with that department. 

As is stated on the delinquent bill, and as I have stated with every conversation with PHH, if the bill was not paid by XX/XX/28, the county would be advertising my name in the newspaper as a delinquent tax payer, and charging me a fee to do that. 

Being that such action would cause irreparable harm to my reputation, beyond the harm already caused by having my bill marked as delinquent in a public-facing search, I elected to pay the bill and the late charges out of pocket to prevent the advertisement. I have not notified PHH of this action, because I'm curious to see how long it takes for them to get around to fixing the problem that they have created. When I spoke with the supervisor of the escalation managers, after the XX/XX/28 final due date, she said " be assured, it will be taken care of. '' Taken care of? If the bill wasn't paid as of then, it was already about as not taken care of as was possible. Clearly PHH is perfectly fine with my name being advertised in the newspaper as a delinquent. If this had played out, I would have been happy to sue them for this, which would have changed absolutely nothing but would have wasted plenty of my time and their money. 

As of now PHH continues to delay and take no action, perhaps up until the point of the county foreclosing on the property and selling our home, all because of PHH 's inaction despite repeated calls, a Notice of Error, and the previous CFPB complaint. Meanwhile all I get from them is letters that say they need more time to investigate. There is no more time! These proceedings have deadlines, and those deadlines have passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
XXXX of XXXX I called and asked why my balance was over {$13000.00} when I only had 15 or 16 payments remaining on my mortgage and was told they did not know but that I would have to pay the balance. After months of calls in XXXX of XXXX I sat down with all my paperwork and found the problems. 
I purchased my home XX/XX/XXXX and the contract stated the amount financed was {$40000.00}. But as I was looking for the problem the amount that they financed was {$43000.00}. I had paid {$3200.00} to get my interest rate lowered and someone charged it back to the balance. Then I realized that the interest rate was charged at 15.09 % and it should have been 13.75 %. I send a dispute to Shellpoint and received a letter stating that they were going to credit my mortage XXXX plus XXXX for interest. I have sent another dispute about the interest. XXXX 15.09 % interest for 20 years is {$6200.00} not {$2400.00}. So, the amount credited should have been XXXX plus {$6200.00} = {$9500.00}. 
Also, the interest charged on the XXXX was {$87000.00} it should have been {$78000.00} so i was overcharged {$9500.00}. So by my calculating I should have been credited {$19000.00}. 
During the 20 years I had deferred 5 payments. My payments should have been {$490.00} but I paid XXXX. So I paid {$39.00} every month that should have gone to the principal. This should make a huge difference. If they want to go back I have 90 % of all my statements from XX/XX/XXXX to present. Not to mention the amount that I have paid on the principal only. 
One of the Supervisors advised me that they had found Mutiple accounts that were done the same way I am not worried about the other accounts only mine and my Home is to be paid off XX/XX/XXXX. 
I have been spoken too badly one of the representatives was XXXX XXXX and he screamed at me and told me that I would have to pay the balance that was showing by Shellpoint, another told me not to call back that was is XXXX of XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: FL

Complaint narrative:
The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1977 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Upon checking my most recent credit report, I noticed that you are continuously reporting an account with incorrect erroneous information. This is a massive violation to the Fair Credit Reporting Act. I have already addressed Experian with regards to this issue and I have not received any response from them until this date. Listed Below is the account in question : XXXX XXXX XXXX {$0.00}

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 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XXXX of my accounts, ending in XXXX and XXXX, Citi bank decreased my credit card maximums and it lead to a decrease of in credit score, when I have not used or abused the credit cards. The decrease card limits lead to balances exceeding the 80 % of usage and decrease my score roughly XXXX points. The reports from a credit agency came back as revolving credit cards, but this did not decrease my score. Also, I would like to say the credit card companies continually offer specials on balance transfers and it seems rather unfair to decrease a credit score by taking advantage of a service that is offered or even report it since they are offering a product like this. Why offer a product and them punish someone for taking advantage of it. " " '' '' The reporting, which again, did not decrease my score, was picked up by Citi bank and they decreased my maximums by {$1300.00} on my XXXX account and {$5400.00} on my XXXX account, then my credit score decreased by XXXX points. '' '' '' '' From about XXXX down to XXXX. Also, I have not used these cards in nearly a year and there has been no late payment or even any usage on my part to warrant anything from to say or imply I did not make my payments and Citi had given my the account limits over a year ago. In actuality, I have been an excellent to Citi bank and they continually try to find a way to abuse me and that is evidence of the last complaint I filed nearly a year ago when they refused to give my the transfer balance rate that was quoted over the phone. I have called the executive service team for Citi, Citi took another look and denied the original maximums that would have upheld my credit score. I find it hard to believe they would do something like this to decrease my score and to a customer that has been current on all payments.

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 2022-03-09 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: PA

Complaint narrative:
I am writing to delete the following information on my credit report. These items i need deleted have been enclosed within the report. My identity was stolen an I'm a victim of identity theft, an did not authorize these charges. Please delete these charges as soon as possible.

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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
XX/XX/2022, submitted a letter, XXXX XXXX XXXX Bankruptcy XXXX, regarding an entry appearing on my Experian Credit Reporting Account. 

XX/XX/2022, received a letter from XXXX XXXX XXXX Bankruptcy XXXX, confirming that the XXXX Bankruptcy XXXX doew not report case information to the credit reporting agencies XX/XX/2022, submitted a follow-up letter to the Experian Credit Reporting Agency , in which Experian reported as being verified with the bankruptcy court, which prompted me to contact the Bankruptcy Court ,

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 2022-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Construction Credit and Finance Group, LLC
State: WA

Complaint narrative:
Construction Credit & Finance Group LLC contacted me via phone and left a message attempting to collect an alleged debt.

Construction Credit & Finance Group LLC as of today 's date is not licensed to collect debt in the state of Washington.

I called the Washington Department of licensing and verified this and verified via web search.

Washington law requires debt collectors to get a license from the Washington State Department of Licensing ( DOL ) and post a bond before attempting to collect debts. They must renew their licenses yearly. Out-of-state debt collectors also have to get a license before attempting to collect from Washington residents. ( Wash. Rev. Code 19.16.110 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: STERLING JEWELERS, INC.
State: IN

Complaint narrative:
Received a call from a 3rd party whom stated a law office reached out stating I owed a little over {$600.00}, gave full details on my account as well as partial of my social security number. I then reached out to the original debt company, Kay Jewlers, and was informed that I do NOT have any outstanding debt with the company. They directed me to " XXXX '' account managing, whom also showed a closed account with a XXXX  balance. I spoke with the law office, whom is not only calling several times, giving my information and personal details to a 3rd party person not involved, and leaving me voicemails for totally different named people. XXXX XXXX XXXX  XXXX XXXX ( XXXX, NY ) stated " you can either pay now, or I will go ahead and procced with a default judgement on you Friday Morning. ''

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation