vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
NewRez sent several letters notifying me that I didn't have proper hazard insurance on my condo. 

This was after they dropped my insurance once they took it over. I responded the first two times that they were incorrect and that my insurance, again, that I had to reactivate because of them, was already in place and contained the required hazard provisions. They have the correct information because their error forced me to reactivate. 

I also submitted evidence of the policy to the URL they told me to use in their notices. They still withdrew {$600.00} from my account on XXXX and said they were not properly listed as the mortgagee. I called my insurance provider, and guess what? NewRez was listed as the mortgagee. My declaration also has a note from XXXX ( the policy began XXXX  ) stating the policy was amended, which is the date NewRez was put on the policy after they dropped my coverage during transfer. 

I had to call their investment department to get anyone on the phone. Now I'm resubmitting paperwork they already have and hoping they refund my {$600.00} back. Horrible, horrible company, which tracks with everything else I've seen about them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: MO

Complaint narrative:
Dear Sir/Maam I am writing to formally request the removal of my credit account information from your records, in accordance with permissible purposes as outlined in relevant privacy regulations. 

*XXXX XXXX XXXX XXXX Permissible Purpose Justification : I am invoking my right to request the removal of my credit account information based on permissible purposes, as provided for in [ relevant privacy regulation or law, e.g., Fair Credit Reporting Act ( FCRA ) ]. The grounds for this request are [ briefly describe the specific permissible purpose, such as the closure of the account, completion of the credit reporting purpose, or other relevant justification ]. 

Please find attached any necessary identification or documentation to facilitate the efficient processing of this request. I anticipate that the removal of my credit account information will be completed within the timeframe specified by the applicable regulations. 

I appreciate your prompt attention to this matter and trust that the removal of my credit account information will be conducted in accordance with the relevant privacy laws.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are accounts that are not mine and a few accounts that are charged off with balances still owing, How can that be when they issued me a 1099 for 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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This is an Opt-Out Demand. The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: NV

Complaint narrative:
I recently checked my credit report & saw accounts reporting that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: NV

Complaint narrative:
I recently checked my credit report & saw accounts reporting that I do not recognize.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, please be advised that you are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. The statute of limitations in the state of Texas is 4 years. This account was opened in XXXX XXXX XXXX. This account and debt should have been ceased as of XXXX XXXX XXXX. Accordingly, I am requesting that you do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. Additionally, any attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, are a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me. I am aware of how long items may remain on my credit reports and any attempt to extend the reporting time will be investigated by me and reported to the XXXX XXXX XXXX and my State Attorney General. I am completely aware of how long the debt is legally collectable and how long it is legally reportable. I realize a debt is allowed to be reported to my credit for 7 years, and my research has shown me that often a collection agency will reset the date of original charge off to the date they purchased it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I noticed that the date of last payment and date last active says XXXX, which is incorrect, and I have all documents to prove otherwise. The account is due to be removed from my credit report in XXXX. I am informing you of this knowledge so that you XXXX do the right thing. I have no intention of renewing the expired statute of limitations, and I expect the following account to be deleted from my credit report within 7 days : 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 explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Association, LLC put this account into collections. Before they did, I explained it wasn't mine. I have other XXXX accounts, but this is not mine, Spoke to XXXX at Portfolio and was told I could pay@XXXX doesn't matter that this is not mine, under my social. 
This had come up before, approximately 6 to 7 years ago, I proved it wasn't mine. This was taken off. 
Now it has reappeared through Portfolio. I told them I could prove it's not mine. she said it was under my social, and that I was responsible. 
I would like to see the original application, and the original invoice, and what social was it under?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
I received a phone call XX/XX/ that there was a problem with my account at mohela.com. Mohela handles my federal student loans. Before the covid payment pause I was told that ALL my loans handled by Mohela.com ( as opposed to sofi.mohela.com ) would be going to income-based repayment and would be on the SAVE plan when repayment started. 

They have informed me that while 6 of my loans are on SAVE, the others are on Level. This is not what I was told would happen. All of my loans should be on SAVE. My monthly repayment amount has ballooned from {$2700.00} to nearly {$7000.00}. 

Of course, I am sure their plan is to capitalize my interest and not honor XXXX 's on-ramp to repayment. I am absolutely sick of these loan servicers and their dishonest handling of student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: NE

Complaint narrative:
On XX/XX/2023, I opened a " Spending Account '' with Ally Bank using the promo code XXXX. According to the terms of the promotion, the account owner would receive a {$200.00} bonus within 30 days after a direct deposit of {$1500.00} or more. I attempted to confirm that the promo code was attached to my account, but Ally Bank refused to provide confirmation. 

After fulfilling the terms, I received an email from Ally Bank on XX/XX/2023 stating the " Your Ally Banking Spending Account received a qualifying direct deposit total of {$1500.00} and you got the {$200.00} cash bonus! The XXXX are already in your Spending Account ending in XXXX. '' However, the {$200.00} bonus was not actually credited to my account. After chatting with support, I was told that the bonus would be deposited " within 30 days of the direct deposit on XXXX. '' As I did not receive the bonus by XX/XX/2023, I again reached out through chat on XX/XX/2023. I was told that " the bonus was already deposited last XX/XX/2023 and should be posted after 30 days. '' The agent submitted a case ( reference # XXXX ), and on asking I was told it would be resolved within 2 business days. 

On XX/XX/2023, as the case was still unresolved, I reached out through chat a third time. This agent told me that Ally would not be able to provide any timeline for resolution.

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 2024-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I setup my payment a head of time, got a letter date before it was due saying my banking info not working please update. I been on phone from XXXX to almost XXXX off and on still no help, even told me to call my bank who just said as always funds and account fine, suggested ask for someone who inputs payment and get confirmation which after time calls and even tried to contact corporate office said their system not able to process my checking account of ATM master card, no idea why and after all the calls and chats to them, my bank even XXXX  XXXX but it is their store card and process that the issue so more of a run around then helpful. XXXX XXXX XXXX XXXX XXXX  and do not need stress or XXXX  XXXX beat trying to fix something thats not my fault or in my ability to fix as if mail check same info on the check as they inputted or had computer input. Its expensive enough to use credit card without being ding for no payment when its their issue or machine holding issue up out of the blue after months or years of working. I am stressed, tired and confused by this mess please advice. Letter letting me know showed up today payment was to been processed today due tomorrow.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-11 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: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I recently reviewed my Consumer Report where I discovered that ( TOWER LOAN ) date opened ( XXXXXXXX  ) a loan installment account was notated as a ( CHARGE OFF/COLLECTIONS ) on my profile. It was never disclosed to me upon our initial agreement that I had the right to opt out or opt into sharing my privacy with a third party. In pursuant to title 15 U.S.C. 1681b ( 2 ) any information communicated or notated on my consumer report should be based on my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No CHARGE OFF/COLLECTIONS should be notated on a consumer report without written consent and an adequate notice antedating 7 years.

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 2024-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MO

Complaint narrative:
Mohela is refusing to accept my final signature for PSLF forgiveness. They claim it is incorrect, however, it is clearly in the qualifying signature area as : '' A signature drawn by hand and then digitized and embedded in the document Aside from the physical signature option, XXXX XXXX XXXX allows you to provide the acceptable signatures mentioned above using its standard suite of electronic signature options '' I confirmed with the signer that this was the type of qualifying signature she used. Mohela is, once again, attempting to defraud me of my forgiveness. I have spent over 21 hours on hold or with their reps in 3 months due to incompetence like this. What working adult has that type of time?!?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There is an account on my credit report that has the incorrect PAYMENT HISTORY. 


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. 


I told Equifax to reinvestigate this accounts multiple time : Account Name : XXXX XXXX  Account Number : XXXX XXXX However, they stated everything was complete and accurate. The account is current/paid as agreed, but the payment history is showing 30-60 days past due for XXXX. I have contacted Equifax multiple times to have this error corrected. I have filed several disputes and the error is still present. The account is not 60 days past due. It is current, as the payment status is showing that it is current. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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.

15 U.S.C. 1681 Section 602 A : States that I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I recently reviewed my Consumer Report where I discovered that ( CB/VIC SCT ) date opened ( XXXX ) a loan installment account was notated as a ( CHARGE OFF/ COLLECTIONS ) on my profile. It was never disclosed to me upon our initial agreement that I had the right to opt out or opt into sharing my privacy with a third party. In pursuant to title 15 U.S.C. 1681b ( 2 ) any information communicated or notated on my consumer report should be based on my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No CHARGE OFF/COLLECTIONS should be notated on a consumer report without written consent and an adequate notice antedating 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
When attending XXXXXXXX XXXX XXXX XXXX XXXX during XXXX, private loans were taken out using my information but were never disbursed to my account and I did not receive the funds. A online application was completed with no proof of my knowledge. During these years there were allegations of school misconduct with the financial aide department and misleading funds and I was a victim of such. 

After graduation, I was held responsible for these loans, and I have been on a constant fight in reference to getting the loans removed through Navient. Navient refuses to remove the debit even though they have no documents to support, I actually received the loan. 

When contacting XXXXXXXX XXXX XXXX XXXX XXXX, I am told they do not have any physical or online financial documents from those years due to a software system merger with XXXX XXXX XXXX XXXX XXXX and they are unable to provide my balance sheets or any financial aid documents. 

The loans are through Navient and are as such : XXXX Signature Loan XX/XX/XXXX | Originally {$40000.00} XXXX XXXXXXXX Loan XX/XX/XXXX | Originally {$9300.00} XXXX  XXXX XXXX XX/XX/XXXX | Originally {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/24, I got the message via email from Bank of America that I received a wire. According to the exchange rate on XX/XX/24 of XXXX, when the wire was processed, the amount I received {$16000.00}. should have been {$17000.00}, a difference of {$510.00}. 
On XX/XX/24, I contacted the lawyer of my father 's estate in XXXX to confirm the amount of DKK that was sent directly to my Bank of America checking account, as there was an apx XXXX difference according to rate exchange on XX/XX/24, when the wire was processed. The response was XXXX was the amount sent, not XXXX XXXX. 
On XX/XX/24, I went to Bank of America on XXXX XXXX in XXXX XXXX and soke to the manager, named XXXX. He kept insisting that the difference on $ XXXX the rate exchange difference. But actually, the rate exchange on XX/XX/24 was XXXX and the exchange rate on XX/XX/24 was XXXX. XXXX said he would look into this and I should come back XX/XX/24 at XXXX. Unfortunately, I had an appointment I could not reschedule. Later, I did drop off a Foreign Currency Exchange Rate Multipliers for the week ending in XX/XX/24 issued by the U.S. Customs and Border Protection for XXXX review. 
Also, on XX/XX/24, I spoke to Bank of Americas Wire Department and was told they had no information to give me about the transfer after 46 minutes and being put on hold, I was simply disconnected. 

I have documentation from the lawyer with the XXXX XXXX Banks statement. This is a problem with Bank of America, and I am unable to get any help from them. This is inexcusable as someone should have knowledge of where this {$510.00} is but no one seems to know or want to look into the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: NC

Complaint narrative:
I was at home when I notice an email on XX/XX/XXXXXXXX  around XXXX. The email shows that an account from Chime.com was opened. When I checked the time the account was opened was at XXXX XXXX XXXX. I went to the police XX/XX/XXXX, the same day I realize the account was opened, I also called chime to close the account, I send them prof of police report, the police officer send me a link to inform the FBI. The person impersonating me used my demographics which and old address along with my email, and made it seemed that it I that signed the contract for this online banking. 

Than another occasion similar to this happened on XX/XX/XXXX at XXXX I emailed the company and they emailed back that the account got closed. 


Also today XX/XX/XXXX another email came through at XXXX

Company response to consumer: Closed with explanation