vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
Our mortgage was sold to Carrington Mortgage https : //www.carringtonmortgage.com/ and they did not apply the payments properly. This caused late fees and harassing phone calls. We can show consistent on time payments. We pay XXXX 's payment on XX/XX/XXXX, XXXX 's payment on XX/XX/XXXX. This initial problem was solved after months of harassing phone calls. Carrington was wrong we were right. Carrington removed the late fees because of their errors. On these calls I asked for the call to be escalated, I was transferred and told I was talking to a supervisor, instead I was talking to the person sitting next to the person who called me who was 'pretending ' to be a supervisor. They admitted to lying to me when the call get heated.

They badger, and bully good paying customers and make you write them when they can call you at all hours. They tell you to follow one path then when you do they say, follow this other path.

Today I am calling Carrington to have a late fee removed because there was a change to my escrow account and they did not apply my payment. Instead the kept my payment in unapplied, added a late fee and now will not remove that late fee. I was made aware of this by a phone call from Carrington. I made the make up payment within a coupe of days.

I asked for a supervisor and was told they were not available and if they were they would not waive the payment either. I was told they can not spend too long on a call.

Previous to today, when I called to find out why my payment was not applied I was told they could not waive the payment at that time and would have to call back. Now when I call back they say I have to write. 

This takes hours of time away from me waiting on hold and writing. I understand there are people who game the system and don't pay their mortgages. That is not us, our records show consistent early payments, yet we continue to be abused by this company, their practices and employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Windham Equity Company
State: MA

Complaint narrative:
I would like to file complaint against Auto Loan, XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX, autouseautoloan.com I know I am past due to difficulty with making payments from being unemployed from Covid 19. I am trying to get caught up with my payments using my tax refund. I tried to access my account online to review added charges and amounts due as of today. I couldn't get into my account. It was stating that I was giving the wrong information. I contact the support email to find out why my login information was not working. They contacted me back quickly and told me they shut me out of my account and to call the office. I replied asking for a copy of my ledger for review and they have not responded ( email attached ). All I want is to review my account so I can work out my financial situation. I went through my documents for their loan terms and I don't have a copy of that with my purchase documents. I don't know if they are allowed to not show me all the charges and what is due. I have nothing to confirm the correct amount and or charges for what they tell me over the phone. I don't feel comfortable not knowing what they are telling is truthful or not. I have no other documents to give or know my loan or account number because they only have everything in the account I am locked out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
They stated that they verify the information as being correct but it not reporting correctly on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
They stated that they verify the information as being correct but it not reporting correctly on all three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had two fraudulent charges go through my account. I received an alert and responded that I did not authorize the charges. After several calls to Fifth Third and being transferred numerous times to different representatives, I was told to wait until the charges went through to dispute them and that they may fall off. Instead of the charges being removed, I woke up today with XXXX in overdraft fees. I immediately put the funds to cover the fraudulent charges into the account, prior to the open of the business day, and filed a dispute for the charges ; yet after contacting Fifth Third again this morning and speaking to several account reps, the overdraft charge was not put back in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Selene Holdings LLC
State: SC

Complaint narrative:
Fact, the fourth amendment is intended to ensure that the right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no warrants shall issue, but upon probable cause, supported by Oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized, and my fourth amendment right has been violated so be it. I XXXX XXXX entered into a consumer credit transaction with Selene Finance XX/XX/XXXX. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The Finance Charge is supposed to include insurance, but Selene Finance made me purchase insurance separately. XX/XX/XXXX, we sent in a negotiable instrument, affidavit of truth, directions on what to do to discharge the debt. It was accepted, and about a week later it was reversed saying that they can only accept certified funds. We were already sent a congratulations letter which I will attach. Since then, I've asked for a Set Off, however have yet to receive a response on that. I've had to pay insurance and property taxes out of pocket since then and have not been given what I have in escrow. We've spoken to numerous agents, with no resolution. Such conduct from Selene Finance has caused me to suffer severe humiliation, and embarrassment, emotional distress, and physical discomfort. They have violated 15 USC 1692 ( c ) of the Fair Debt Collection Practices Act by harassing me regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I had a navy federal credit Union account from XX/XX/XXXX to approximately XX/XX/XXXX. They would regularly contact mycommand anytime I was past due and prevent me from accessing my account online. I saw they were ordered to pay reparations for these actions and am trying to file this complaint to receive mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the 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 2022-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I thought my TransUnion report was frozen after I applied for a car loan but clearly not. Someone tried to apply for an XXXX credit card which was not me. I filed a police report in the past due to stolen identity. Called TransUnion, locked my report and asked them to remove inquiry. Not sure if she understood as she didnt speak good XXXX. 
Waiting for a new credit report but want inquiry removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. I was a victim of fraud, and my identity was stolen.

A copy of this letter, as well as copies of the three written letters sent to you previously, will also become part of a formal complaint to the Federal Trade Commission. It shall be used as evidence in pending litigation provided if you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.

You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information ( a consumer contract with my signature on it ) is required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to DELETE all information that can not be verified promptly.

The law is very clear about the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : 1XXXXXXXX XXXX XXXXXXXX 2-XXXX XXXX XXXX 3-XXXX XXXX XXXX 4XXXXXXXX XXXXXXXX XXXX 5XXXX XXXX XXXX 6-XXXX XXXX XXXXXXXX 7-XXXX XXXXXXXX XXXX  Thanks, 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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: GA

Complaint narrative:
I sent out a letter to XXXX and Discover on XX/XX/XXXX. My current XXXX credit file is showing a Discover Account # XXXX as a 1 ) Negative payment status, 2 ) Charge Off for XX/XX/XXXX, 3 ) Worst Delinquency as a Charge Off, and 4 ) Late payments since XXXX. 

After speaking with the IRS, they define a charge off as ORDINARY AND TAXABLE INCOME which is reported as such on tax returns. ANY amount over {$600.00} they are required to send a 1099c. INCOME IS NOT REPORTED ON CONSUMER REPORTS. And according to Responsibilities of furnishers of information to consumer reporting agencies, 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. Also from XXXX 's publication on XX/XX/XXXX, they STATE loud and clear that INCOME IS NOT INCLUDED in a consumer report. Discover and XXXX has failed to resolve this issue and continue to report inaccurately in clear violation. Because of reporting inaccurately, this account should be removed from my credit report entirely. 

The status of this account should not be negative or a debt anywhere on the account, or a late payment. Instead, THE STATUS OF THIS ACCOUNT IS INCOME. Which is not included on a consumer report and should be removed immediately. I am attaching the letter sent with certified mail receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent out a letter to Experian and XXXX on XX/XX/XXXX. My current Experian credit file is showing a XXXX Account # XXXX as a 1 ) Negative payment status, 2 ) Charge Off for XX/XX/XXXX, 3 ) Worst Delinquency as a Charge Off, and 4 ) Late payments since XXXX. 

After speaking with the IRS, they define a charge off as ORDINARY AND TAXABLE INCOME which is reported as such on tax returns. ANY amount over {$600.00} they are required to send a 1099c. INCOME IS NOT REPORTED ON CONSUMER REPORTS. And according to Responsibilities of furnishers of information to consumer reporting agencies, 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. Also from Experian 's publication on XX/XX/XXXX, they STATE loud and clear that INCOME IS NOT INCLUDED in a consumer report. XXXX and Experian has failed to resolve this issue and continue to report inaccurately in clear violation. Because of reporting inaccurately, this account should be removed from my credit report entirely. 

The status of this account should not be negative or a debt anywhere on the account, or a late payment. Instead, THE STATUS OF THIS ACCOUNT IS INCOME. Which is not included on a consumer report and should be removed immediately. I am attaching the letter sent with certified mail receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
I had been a member with XXXX XXXX for almost 15 years until they decided to almost double my annual costs for TV service. Every year, I would have to call and re-negotiate a billing price and every year they would reduce my costs from around {$220.00} per month to about {$120.00} per month, thus giving me their " promotional rates ''. In late XXXX, they stopped allowing me to get better rates, so I began searching for a cheaper TV/Internet provider. In XXXX XXXX, I had numerous phone calls with managers and people claiming that I would receive " credits '' to my accounts, or that I would see the price adjustment on my next billing cycle. After each month, and very little promises kept- in XX/XX/XXXX I cancelled my service. They gave me a final bill, instructions to send the equipment back and told me I'd receive a final credit from them, which should have been about {$150.00} credited back to me. Instead, they somehow said I owe them {$170.00} and kept calling me to tell me I owed them money. They couldn't explain how, or show me records of anything, but that was the " bill they saw ''. Now, they farmed it out to SEQUIUM ASSET SOLUTION for {$170.00} collection and Sequium can't produce any justification, billing statements, credit promises or anything. I've called XXXX and they can't produce anything other than a system saying that I owe them, Sequium can't produce anything other than a statement from XXXX saying I owe them. Nobody will even listen to me at XXXX to determine if they credited me back what they said they were going to do, nor can they even find records of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Hello I opened an auto loan with SunTrust bank in XXXX of XXXX. I have been making automatic payments with them ever since via ACH withdrawals. In XXXX of XXXX, they merged with BBT to form Truist. 

As of XX/XX/XXXX, the loan amount on my account has increased by {$290.00} and does not show the records of an additional payment that was made. 

The Truist web site shows no Statements or Receipts, just an account balance that has no reflection on the prior account balance communicated by SunTrust.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
There are 3 missed payments on my account There all paid in full amd I would like them removed off my credit report as it affecting my score There are 3 missed payments from XXXX XXXX XXXX XXXX of 2019. From Sheffield Financial

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the 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 non-monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I just reviewed a copy of my Transunion credit report and found the following information to be an error. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission.

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