vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: LA

Complaint narrative:
I received a letter in the mail on XX/XX/XXXX stating that my flood insurance had expired on XX/XX/XXXX. I called my mortgage company and was told that i needed to purchase a flood policy and send them the information so they could update it or they would place lender placed insurance on my home. I pay into my escrow every single month with my mortgage payment, however Loancare did not pay my renewal for flood insurance. My insurance company states they never receieved a payment from loancare in XXXX of XXXX either, so i have not have flood insurance for an entire calendar year. My online account with loancare has shown both my homeowners and flood policies to be active for the past year. I called my homeowners insurance next, this policy is set to renew on XX/XX/XXXX. XXXX XXXXXXXX XXXX informs me that they sent an invoice to Loancare on XX/XX/XXXX for renewal of my homeowners, which they also failed to pay out of my escrow account. I am now being told that I have not had homeowners or flood insurance for an entire calendar year. I live in XXXX XXXX and insurance is already hard to come by and outrageously expensive. My mortgage company is now stating that they will be backdating flood and homeowners insurance back to XXXXXXXX XXXX XXXX with lender placed insurance and I will be responsible for paying all 4 premiums now out of my escrow account. The four premiums would be 1 flood policy backdated by loancare, 1 homeowners policy backdated by loancare, 1 flood policy for the XXXX, and 1 homeowners policy for XXXX. I have all documentation showing our mortgage company being billed for insurance and all phone calls since speaking to mortgage company have been recorded by not only myself but the mortgage company as well. My concern is that Loancare is going to backdate flood and homeowners policies for over a year ago and i have to pay for their mess-up. My other concern is that i am unable to get a policy writtten since i have not had continuous coverage due to their negligence.

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 2024-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are several inquires on my credit report that I did not authorize.However I felt it wise to send a letter, opting out of any and all consent to all the companies in the following attachments. As a result, Transunion needs to remove all inquires in the following attachments from my credit report immediately.

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 2024-05-10 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: NJ

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of fraudulent information reporting and I am refiling this complaint to TRANSUNION. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX including the unauthorized inquiries with FTC report number XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

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 2024-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
In XXXX XXXX XXXX I was placed on the SAVE plan through StudentAid.gov and my loan servicer, EdFinancial. 

In XXXXXXXX XXXX, I submitted a Borrower 's Defense claim through StudentAid.gov. 


I was incorrectly placed on Administrative Forbearance through my loan servicer, EdFinancial. Even though my paperwork in the attached video below clearly states I requested to NOT be pplaced on Administrative Forbearance. 


On XX/XX/year>, I called ( and recorded ) EdFinancial and spoke with a representative who told me that this was a clerical mistake and that the interest that had accumulated on my account would be waived. 

On XX/XX/year>, I called ( and again recorded ) EdFinancial and spoke with a different representative who told me that the interest would not be waived. 

I have been given misinformation multiple times from this loan servicer that has now affected my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There is one inquiry on my credit report that I did not authorize. However I felt it wise to send a letter, opting out of any and all consent to this company in the following attachment. 
As a result, Experian needs to remove this inquiry in the following attachments from my credit report immediately.

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 2024-05-10 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: NY

Complaint narrative:
There are several inquires on my credit report that I did not authorize. However I felt it wise to send a letter, opting out of any and all consent to all the companies in the following attachments. 
As a result, Equifax needs to remove the inquires in the following attachments from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony provides a branded consumer finance program for XXXX, presumably on an interest free basis for a short term. I made a purchase in XXXX and was asked if I wanted the interest free option, to which I agreed. Every month I received a bill, which I paid as scheduled, and usually more. However, I have been getting collection demands from Synchrony almost every month. Now, I received notice that my credit was impacted by late payments to Synchrony, but I ALWAYS paid the bills on time for AT LEAST the amount due, and usually more. After getting fed up with collection notices with no decline in the amount, I sent enough in to pay off the bill, and closed ALL of my accounts with Synchrony. Today, I got another late notice, with the same unreduced bill amount they keep sending me every month, saying that I'm delinquent. I yelled at them previously about this nonsense before I closed all of my accounts. So, I was furious. I called again, and apparently the child on the phone was scared enough to FINALLY tell me that the additional amount is a separate charge, not included in my Synchrony billing statement, for the interest free purchase. I asked why it doesn't appear on my bill, and she said I had to pull it up on the Internet. But, that I have to have XXXX XXXX to do so!!! I told her that I don't have, and have never used Chrome, and that I'm going to report this to the CFPB. Only then did she provide me with another website to go to, to FIND MY OWN XXXX ACCOUNT!!! 

Prior to this, we closed ALL of our Synchrony accounts because I got fed up with being charged late fees and penalties even when paying the full bill!!! 

Synchrony is engaging in tactics reminiscent of the 1950 's, before there were any consumer protection laws! 

SYNCHRONY SHOULD BE SHUT DOWN, or AT A MINIMUM, SUBJECTED TO SANCTIONS. The idea that I have to have a particular browser to pay my bill, and that I get nothing but late payment notices via email, is FREAKING CRIMINAL!!!!!!

SHUT THOSE FRAUDSTERS DOWN!!!!! PLEASE!!!!!!

I'm going to drive to XXXX now to tell them what a bunch of thieves Synchrony is!!!! 

By the way, I'm an attorney, practicing for over 25 years. I've never seen anything this blatantly fraudulent and corrupt from a so-called legitimate company in all of my career! 

In my case, in the span of 5 months, they racked up late charges or almost 50 % of the original charge, and I never actually received any late notice telling me which account this applied to, why it was delinquent, or how to avoid future such charges. But, that's because I don't have XXXX XXXX AS MY BROWSER!!!!!! (??? ) Please! Shut these crooks down!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: NY

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items 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 2024-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I was told NOT ELIGIBLE YET : The number of qualifying payments to be considered for the Co-Signer Release benefit has restarted because a delinquent payment was previously made on your account. You can request a review of the Co-Signer Release benefit after you make 11 additional qualifying payments. 

On XX/XX/XXXX I was told NOT ELIGIBLE YET : The number of qualifying payments to be considered for the Co-Signer Release benefit has restarted because a forbearance was previously used on your account. You can request a review of the Co-Signer Release benefit after you make 6 additional qualifying payments. 

This is inaccurate information and I feel like I have been getting the run around for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On XX/XX/XXXX, I deposited a check for XXXX XXXX at the Bank of America branch. I was told that the funds would be available on XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I received emails indicating the funds would be available on XX/XX/XXXX, this changed to XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX. They confirmed that they received the funds on XX/XX/XXXX but will not release until the XXXX. This is unfair that they are holding my funds and not releasing them. Ive been a customer since XXXX  and this treatment is not acceptable. They originally told me that the funds were unverifiable. But after I spoke to my lawyer who confirmed that the check was cashed. They said they indeed had the funds but would not release them. This treatment needs to be called out.

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 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/, I was approved for a Capital One credit card with a {$1000.00} limit and a {$200.00} bonus for spending {$500.00} within the first 90 days. I have not received the card. I was in the middle of relocating from XXXX XXXX XXXX and when I call Capital One they claim they cant use my phone number to verify me and ask for my id and I try uploading front and back but it is never good enough. Then they said they were emailing me a secure link to upload but never did. I need to change my address on the card and have it sent to me at my new XXXX address. I fear the card sent to XXXX being used without my permission since I cant get the card. Ive tried everything with capital one and have no issues with sending my id but I need card sent to where I moved and can give you a lease or something. Not having the card is cutting into my 90 days I have to get the bonus of {$200.00} and its depriving me of the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I was reviewing my credit report and noticed hard inquiries that do not belong to 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 non-monetary relief
Consumer complaint received 2024-05-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: WI

Complaint narrative:
Online chat with US Bank on XX/XX/XXXX claimed that I did not have any direct deposits to my checking account. 

The terms and conditions of the account that I opened stated that I would receive a {$300.00} bonus if I had direct deposits totaling greater that {$5000.00} to my new account within 90 days. 

I pointed out that I had employer direct deposits that totaled greater than {$5000.00} to my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Chat agent then stated that I was not targeted for the bonus, and that the bonus being offered was for existing customers. 

I XXXX 'd and ended the chat. Bonus terms stated none such thing.

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 2024-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: FL

Complaint narrative:
I received a letter from Department of education XX/XX/XXXX that stated my loans that were included in the XXXXXXXX XXXX XXXXXXXX a would be discharged within 90 days. I have called Mohela/Dept of Education several times and the first time was told the loans would be removed in XX/XX/XXXX it never happened. I was then told they would be removed XX/XX/XXXX and that never happened. 

Sometime in XXXX the loans were removed only to be placed back as a new account and lowering my credit by almost XXXX points. 

The account was then marked as closed again sometime in XX/XX/XXXX and then placed back on my credit as a new debt on XX/XX/XXXX lowering my credit by an additional XXXX points. MOHELA/DEPT OF ED has continued to destroy my credit the last 12 months for loans that were suppose to be discharged over a year ago. I continue to get different answers about discharge status and what is going on. 

I do not think MOHELA/DEPT OF ED has the right to keep effecting my credit closing the account and opening it as a new debt over and over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am a victim of fraudulent information reporting and I am refiling this complaint to BARCLAYS BANK DELAWARE. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

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