vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 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: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Subject : Request for Review and Adjustment of Mortgage Payment Due to Unnotified Increase in Homeowner 's Insurance Premium Dear Sir/Madam, I am writing to express my concern and seek resolution regarding a significant and unnotified increase in my monthly mortgage payment, which I discovered while compiling documents for my XXXX tax filings. My mortgage payment has unexpectedly increased by {$290.00} per month, a change I was not made aware by any parties involved. Upon investigation, I learned that this increase was due to a rise in my homeowner 's insurance premium in XX/XX/XXXX, as well as adjustments in property taxes.

My homeowner 's insurance is paid through an escrow account, with my mortgage company listed as the lien holder with the insurance company. Thus, the increased rate was paid without my prior knowledge or consent of the increase. This adjustment led to a shortfall in my escrow account, resulting in the mortgage company back billing me for the deficiency. My monthly payment increase {$290.00} from XX/XX/XXXX to XX/XX/XXXX. 

My mortgage company was contacted without an explanation yet and upon my investigating the matter and contacting my homeowner insurance provider, I was informed that the rate increase was attributed to inflation. While I understand that inflation affects us all, the lack of notification about this increase is particularly distressing to me as a single female homeowner. It is important to note that pay increases from my employer have not been commensurate with inflation for many years, making this unexpected financial burden even more challenging. 

Despite several lengthy discussions with the insurance company, and while minor adjustments were made, I was ultimately informed that the rate increase could not be altered. It is worth mentioning that I have not filed any claims, nor has there been any financial output or loss to the insurance company to justify such an increase. 

Given these circumstances, I respectfully request a thorough review of my account and an adjustment to reset my mortgage payment back to the rate I had budgeted which is a more manageable amount. The unauthorized and unnotified increase, which solely benefits the insurance company, raises significant concerns about the fairness and legality of this practice. 

I trust in your commitment to customer satisfaction and fairness, and I hope we can find a mutually agreeable solution to this matter. I am more than willing to provide any additional documentation or information required for your review. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I always paid off my Lowes card so I could buy more materials for my business. In XXXX I paid off my card and made another purchase. That purchase sent me over my credit limit by over {$1000.00}. I have never been able to go over my credit limit not even by {$10.00}. My credit limit is {$3200.00} and I owe them over {$4300.00}. I have proof from where I would have to buy materials that were over my limit and I would have to pay half of it then it then pay it off right then before I could pay the other half. When I went to pay my card off in full they said that I only owed {$750.00} so I paid that then bought more materials. Now they are saying that I owe them {$4300.00}. And are telling me that I cant make payments on it I have to pay in full. But I have made payments on it.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2024-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX I attended The XXXX XXXX of XXXX. During that time I was pulled out of class and told by the financial aid department that I had to sign a document to continue getting federal financial aid. If I didn't sign the document I would be disenrolled and my student loans would come due. This was absolutely terrifying for me. They made it seem as though I had not filled out all my paperwork properly and that I needed to sign asap to rectify the situation. As an XXXX XXXX XXXX I didn't think anything of it. I was still living at home with my parents and didn't have any experience with loans or credit. When I graduated I tried to find a job in my field and quickly learned that my degree was useless and I'd essentially dedicated XXXX years of my life to a scam. I also found out that not all my loans were with the federal government. When I looked into my loans I was then informed that I had over $ XXXX in private loans. Today those loans are over $ XXXX and I've been paying on them for XXXX years. Originally Navient told me to put them in forbearance which I did. After that I was told the only option was to make principal only payments. Today they are refinanced through XXXX XXXX which I'm not sure helped or if that was a way to get them out of their original form to avoid any sort of relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TN

Complaint narrative:
Credit Karma froze my account for no reason. When I called to find out why they just kept sending me to other people. I asked names and they refused to give them. I begged to talk to XXXX and he told me it would be unfroze when the special teams decided to an hung up on me. Nobody will tell me anything and their just keeping my money. I asked to close it out an they told me no! The dates were XXXX-24 thru XXXX24. In two days I've spoken to XXXX representatives and XXXX supervisors who all either transferred me or hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX2024 I visited a XXXX XXXX office for a XXXX. The upfront payment, before insurance covered anything, was {$410.00}. This transaction fell in the XX/XX/XXXX2024 statement covering transactions from XX/XX/XXXX24 through XX/XX/XXXX2024. 
As of today, XX/XX/XXXX2024, the due date for the XXXX 2024 statement is XX/XX/XXXX2024 with a statement balance of {$730.00}. 

On XX/XX/XXXX2024, the XXXX XXXX office issued me with a refund of {$350.00} given that insurance ended up paying a share of my copay. 

On XX/XX/XXXX2024 I made a payment towards my XX/XX/XXXX2024 statement in the amount of {$380.00} because that's the difference between the statement balance of {$730.00} and the XXXX XXXX office refund of {$350.00}. 

On XX/XX/XXXX2024, this morning, I chat with a Bank of America representative ( XXXX from XXXX, NY ) to confirm that the XX/XX/XXXX 2024 statement balance has been fully satisfied because Bank of America is in receipt of the full XX/XX/XXXX2024 statement balance as a result of the addition of my payment in the amount of {$380.00} and the XXXX XXXX  office refund in the amount of {$350.00}. 

The representative states that a merchant refund does not count towards my statement balance owed and that I must fully satisfy the {$730.00} out of my own money in order to avoid interest, and that any excess funds will be issued as a credit at a later time. I respond to the representative that it doesn't make sense but they insist that if I want to avoid interest, then that's what I have to do " per the credit card terms ''. 

No other credit card provider handles merchant credits this way. Not to mention the amount is nearly half of my statement balance. Why do I have to pay BOA money that they already have, only for them to refund me at a later time? What if it was thousands of dollars? 
This hurts consumers in the way that BOA is receiving an advance on excess funds only to distribute it back to the consumer at a later time. 

Also, their payment screen doesn't have a " remaining statement balance '' option only the total statement balance and current balance. This is deceptive by not clearly providing consumers with an exact amount to satisfy in order to avoid interest. Again, this probably results in consumers overpaying BOA and having to wait for refunds at a later time. 

I may be just one person, but if this is happening throughout their entire credit card products, then hundreds of millions of dollars are being advanced to BOA by millions of consumers essentially an interest free loan. This is not right.

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 2024-04-12 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: GA

Complaint narrative:
I've recently discovered an error in my consumer report which falsely indicates that I missed a payment on the account linked to Account Name : XXXX. I want to stress that I have an impeccable payment record for this account, and I possess evidence to support my assertion. 
Per 15 U.S. Code 1692j - Furnishing certain deceptive forms : It's illegal to intentionally create, assemble, or provide any document with the knowledge that it could deceive a consumer into believing that a party other than the original creditor is involved in collecting or attempting to collect a debt owed to that creditor, when in reality, such party is not engaged in any such collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: GA

Complaint narrative:
I want to stress emphatically that I've maintained a flawless payment record on this account. It has recently come to my attention that, while all other accounts are rightfully marked 'Paid as agreed ' on my credit report, there's a single account associated with a different account number that is erroneously reported as 'past due. ' This stark inconsistency not only casts doubt on the accuracy of my credit report but also raises significant concerns regarding potential violations of my rights under the Fair Debt Collection Practices Act. Addressing this discrepancy promptly is essential not only for rectifying my credit history but also for upholding the integrity of consumer rights and fair debt collection practices. 
According to 15 U.S. Code 1681e, consumer reporting agencies are mandated to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. It has come to my attention that there are discrepancies in my credit report that are in violation of this provision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I applied in good faith for the Product LOWES COMMERCIAL. After application had been summited received a denial notice. If any portion of this application under the Application ID : XXXX has been securitized under securities act of 1934, within the Synchrony Bank and or/ Lowe 's Home Centers , LLC Prospectus, 10-K Form,8-K From and or other SEC filings. we demand credit line issued and open ended under the name of applicant. we submit this for remedy as pre arbitration notice as holder of the contract. please review for violations per Equal Credit Opportunity Act ( ECOA ), 15 U.S. Code 1691. we wish for this matter to be resolved matter in the private respectfully.

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 2024-04-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have my payment made with an in-store credit card amounting to {$79.00} on XX/XX/XXXX with a balance of {$370.00}, My payment doesnt reflect vis-a-vis in store credit because when i inquire my balance yesterday XX/XX/24, it remains the same at $ XXXX think this is not the first time.i have with me all the receipts.if they have done this to me, they might be doing this to others because its a big store with branches in all US states.

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 2024-04-12 00:00:00
Product: Credit 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:
Capital One willfully violated Federal Law, The Truth In Lending Act ( TILA ) the Credit Card Accountability Responsibility and Disclosure Act of 2009 Regulation Z, as well as the Fair Credit Reporting Act FOR ALL OF ITS CARDHOLDERS VIOLATING THEIR RIGHTS. Action must be taken against Capital One Bank for this egregious violation of tens of thousands of consumers rights under Federal Law. 

As per 12 CFR Part 1026 ( Regulation Z ) 1026.7 Periodic statement.

7 ( b ) ( 11 ) i ) Except as provided in paragraph ( b ) ( 11 ) ( ii ) of this section and in accordance with the format requirements in paragraph ( b ) ( 13 ) of this section, for a credit card account under an open-end ( not home-secured ) consumer credit plan, a card issuer must provide on each periodic statement : ( A ) The due date for a payment. The due date disclosed pursuant to this paragraph shall be the same day of the month for each billing cycle. 

Capital One willfully and unilaterally changed without permission of cardholders the billing cycle date, interest amount, balances, and due dates due to computer changes and then reported these false dates to customers ' credit reporting agencies. The lapse caused by the change in due dates caused customers ' credit reporting to show two missed payments due to the forwarding of the billing cycle. This has damaged the credit reporting of tens of thousands of cardholders. They are also in violation of FCRA as naturally the reporting of the balances, due dates, and other data related to the moved billing cycle started to report as wholly inaccurate. Changes in due dates caused some cardholders accounts to miss payments as the auto-pay was either disabled or moved. When Capital One changes due dates the customer bank account which are normally expecting an auto-pay may not have sufficient balance to cover the payment as their billing cycle has now changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I was told at XXXX that I had to pay off the entire vehicle to get it back. I spoke with XXXX ID # XXXX. 
I asked how much was due? No answer, stated I had to wait til monday for pay out amount. 
I asked what was the past due amount? {$1200.00} I asked when was the last payment received? XX/XX/XXXX I asked when was the next payment expected. No answer, stated there wasnt one expected I asked when was I notified that the car was being repossessed? No answer. Stated I was sent a letter of my account in default XX/XX/XXXX and I had to pay by XX/XX/XXXX before it goes to repo status. 
BY LAW 1-2 BILLING CYCLES ARE REQUIRED BEFORE REPOSSESSION. ( SECTION XXXX ) XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 

I asked who was the entity holding creditor rights at the TIME of repossession? 
XXXX stated that I am listed as holder of retail installment contract. 

XXXX ( XXXX ) stated CHASE is listed as entity of holder of vehicle. 

At this time CHASE is responsible for CONVERSION Conversion is an intentional tort which occurs when a party takes the chattel property of another with the intent to deprive them of it UNDER 18 USC 242 that is a crime. 

PLEASE SEND PROOF OF DOCUMENTS THAT ( CHASE ) HAS CREDITOR RIGHTS TO XXXX  XXXX XXXX ON RETAIL INSTALLMENT CONTRACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: IL

Complaint narrative:
I'm writing to complaint to EQUIFAX about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. XXXX that unambiguously obliges a depicted of the modus. 
This is a legitimate inquiry of information and declaring.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Company Incorporated
State: OH

Complaint narrative:
I checked my credit report and noticed a collections from Consumer Adjustment Company for the amount of {$480.00} that I did not authorize. I am not liable for this debt with XXXX XXXX I do not have a contract with Consumer Adjustment XXXX. They did not provide me with the original contract as I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX my phone was stolen. On the same day XXXX different transfers for XXXX dollars went from my Wells Fargo bank account to my XXXX  account. I filed a police report I filed a report with Wells Fargo and they didn't even want the police report. They sent a letter a week later saying I didn't give them information they asked for so they will not be reimbursing me.

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