vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 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:
I received a letter from NewRez recently saying that my homeowners insurance had expired. Something has gone seriously wrong since NewRez took over our mortgage in the summer of 2023. XXXX, the insurer, has billed me for the policy because they have NOT received the payment through the escrow account. 

Last week I was able to get a NewRez customer service rep on the phone, and they told me NewRez had tried to contact XXXX XXXX times in XXXX. I talked to someone at XXXX who checked and said there was no record of NewRez contacting them about my account. Then I emailed a copy of the XXXX bill to NewRez. Today I am trying to reach NewRez to follow up, but when I call the XXXX service numbers, XXXX XXXX and XXXX, on each number an automated system keeps asking the same questions, then saying " goodbye '' and disconnecting. 

I am very concerned about whether NewRez has also failed to pay my property taxes out of the escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: PA

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights . Or a list of inquiries : 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 explanation
Consumer complaint received 2023-11-27 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: PA

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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights . Or a list of inquiries : 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 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 2023-11-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract a signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: VA

Complaint narrative:
I have been calling and trying to sign in online to Myloancare for about 10 days and the site is down. I called and received a recording that they " have experienced a security event and no one could take '' my call. I have continued to check the site daily and it is still down. I have called again today and was told there has been an " event '' and they have no access to any of my account information. I am unable to make my mortgage payment. I have received no communication from this company about what has happened. I am really concerned that all of my information was hacked and stolen. I also do not want to be in default on my mortgage because of their issues.

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 2023-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Federal Aid Loan ( s ) were forgiven. I contacted XXXX XXXX who currently has a Hold on my student transcripts I have repeatedly requested that my account be updated because of the Loan Forgiveness I received for the US Dept. of Education. I dont owe XXXX XXXX any money ; and would like my account updated to reflect that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: ID

Complaint narrative:
I have received multiple emails from the U.S. Department of Education regarding action needed for missed payments on my federal student loans. AidVantage, the loan servicing company has not responded to any of my inquiries into this issue. I have not missed any payments, nor does the account page I have access to through AidVantage show any delinquencies. I need to have assurance that no action is necessary on my part to avoid false reports on my credit history. This is total incompetence on AidVantages part and is totally inexcusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: FL

Complaint narrative:
TransUnion is reporting late payments on the accounts that never had any late payments and was paid in full and closed

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 2023-11-27 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: MI

Complaint narrative:
I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX  XXXX account with the account number XXXX This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX XXXX account for the months of XXXX, XXXX, XXXX, XXXX, XXXX & XXXX OF 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: MI

Complaint narrative:
I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX XXXXXXXX account with the account number XXXX This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX XXXXXXXX account for the months of XXXX, XXXX, XXXX, XXXX, XXXX & XXXX OF 2023

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 2023-11-27 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: DISCOVER BANK
State: GA

Complaint narrative:
Discover Bank, I have trouble recognizing an account on my credit report. It says I allegedly owe on a credit card, account numbers XXXX, and if you claim I owe the alleged debt, can you then provide me with account billing history, statements, and other proof that claims the debt is owed by me. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AL

Complaint narrative:
Fifth Third has refused to close our XXXX account for our son and now is hanging up when we call to close our personal checking. 
We have moved XXXX hours away from the nearest branch and XXXX from our home branch. We are not driving XXXX hours to close an account. 
Close the accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I was attempting to get a loan with TD Auto Finance at the recommendation of my dealership. I was trying to purchase a new XXXX XXXX with XXXX XXXX in XXXX, TX. TD Auto Finance had already pulled my credit successfully and were trying to verify who I am by using my phone number ( something they say they have to do with a 3rd party software ). The software gave them an error and they were unable to verify my identity after doing a hard inquiry on my credit. Neither they or the dealership was able to provide me with answers. Shame on TD for doing a hard inquiry and not being able to proceed with the loan. I even asked for a manager or supervisor and was told that was not an option. It isnt fair that as a consumer my credit is damaged from a company I am trying, and fully qualified to get a loan with, for them to simply turn me away due to an error with their system. Their customer support is nonexistent and I am very disappointed in their response. The dealership is recommending I reapply with another bank which isnt fair to me because that results in another hard inquiry into my credit. The number I was given to contact TD Auto Finance is XXXX, option XXXX. I was instructed to ask for a bank interview with an underwriter. I have had my same phone number for 15 years and never had a different cell phone number. Why they insist on using a phone number verification I am not sure. But it seems like a poor system to do business with qualified people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Chrysler Capital is reporting my payments as late even though the lease was closed out and the balance is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XX/XX/23 deposit check for {$2500.00}. Account restricted and hold placed. Fraud contacts employer, verified check, restrictions lifted, hold remaining. XX/XX/23 branch manager verified check AGAIN and removed hold. Confrontation with employer leading to termination, co worker called and reported fraud after already verifying check multiple times. Account restriction again, branch manager fixes, fraud continues to do it, I was told to file a police report, account still restricted no access and no resolution. EVERY representative had an entirely different response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: MI

Complaint narrative:
I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX XXXXXXXX account with the account number XXXX This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX XXXXXXXX account for the months of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-11-27 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: PA

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumbeXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights XXXX Or a list of inquiries : 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 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 2023-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: CO

Complaint narrative:
I was granted a loan of XXXX on XX/XX/2023. I made a payment of XXXX on XX/XX/XXXX, then payments of XXXX on XX/XX/XXXX and XXXX. Today, I paid off the balance, and was horrified to discover that the total amount owed was almost XXXX! I don't know the exact amount, XXXX something. I believed that if I paid it off early, I would only owe the principal amount, but this was XXXX more than that. This company got rude with me when I was initially getting the loan and acted like I wasn't understanding the repayment amounts when I questioned them about how excessively high they sounded. I also was told there was no penalty for paying it off early. This is absolutely terrible and I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Upon checking my Paypal account on XX/XX/24, I found my entire account balance of {$31000.00} had been transferred to an unknown XXXX XXXX XXXX account without my knowledge or consent. 

Paypal claim concluded this was consistent with my history, in spite of this XXXX XXXX account being added and deleted in my account. I have never transferred to XXXX XXXX before, nor do I have consistent transfer of this magnitude and my balance has NEVER been transferred to XXXX prior to this transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: KY

Complaint narrative:
Please help! I noticed iquiries on my report that aren't mine. This is hurting me and my family. Please remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: Rent Recovery Solutions
State: MI

Complaint narrative:
Iam a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX XXXX XXXX /Rent recovery solutions this debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify these businesses and tell them the debt is the result of identity theft. All of my personal Belongings were in a uhaul that was stolen from in front of my hotel while i was staying while moving. i lost all important documents birth certificates, ss cards pictures wedding documents everything. I was not even living in the state of Michigan at the time that this debt incurred I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : inform Rent Recovery solutions/XXXX XXXXXXXX XXXX XXXX the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation