vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
email I sent to Fay Servicing on XX/XX/year> : I have been trying to resolve this issue with your customer service department since XXXX. On XX/XX/year> XXXX finally called back and stated that when Fay Servicing received the loan from XXXX XXXX, there was outstanding interest and she was to send me a document showing the outstanding interest. As of today, XX/XX/year>, I never received any such document. 

Attached you will find the last statement from XXXX XXXX dated XX/XX/year> with the next payment due XX/XX/year>. The principal balance after the XX/XX/XXXX payment was {$330000.00} and as you can see, there is no outstanding or unpaid interest balance. The loan was completely current with automatic draft from my bank account on the XXXX of every month. 

The loan was transferred to Fay Servicing with a due date of XX/XX/year> and with automatic drafting instructions for XX/XX/year> and thereafter. For whatever reason, you chose not to draft until XX/XX/year>. The drafted payment in XXXX and XXXX were applied only to escrow and interest. Nothing was applied to interest. I have been trying to get an answer to this for the past three months and no one could explain it to me or provide any documentation for the reason. I understand that interest on this loan is calculated on a daily basis. Below you will see a chart of what I think the allocation of monthly payments should have been, based on daily interest, between principal, interest and escrow. 

Date Paid Int % Payment Escrow Interest Principal Balance 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 XXXXXXXX XXXX The immediate impact on my principal balance is approximately {$1200.00} and much higher over the remaining term of the loan. 

I expect that I am not the only borrower impacted by this error which probably amounted to hundreds of thousands if not millions of dollars to the detriment of your borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, I sent my opt-out notice letter to Firstmark Services . I am filing a complaint against Firstmark Services for violating my consumer rights under federal and New Jersey law. Firstmark Services shared my financial information with third parties without offering an opt-out, violating the Gramm-Leach-Bliley Act ( GLBA ), New Jersey Consumer Fraud Act ( NJCFA ), and Identity Theft Prevention Act. Despite my objections, they claim their Privacy Policy permits sharing, conflicting with GLBA and NJ law. 

I have not received confirmation of my opt-out status, and my information continues to be shared with consumer reporting agencies. Requests for a detailed account breakdown were ignored, violating the Truth in Lending Act ( TILA ). Firstmark Services also disregarded my mail-handling instructions, resulting in a privacy invasion and potentially deceptive practices under NJCFA, harming my credit and privacy.

Their unauthorized sharing constitutes identity theft under 15 USC 1681a ( q ) ( 3 ). I request that this account be removed from my report and that my privacy rights be enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: ME

Complaint narrative:
XXXX had my loans and issued me a application to discharge my private loan due to being apart of the huge law suites and winning the sweet vs cardinal. my federal loans were discharged but not my private loans. mohela had my federal loans and now they have my private loans but they have not been discharged

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, MI, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] LVNV Funding LLC [ XXXX XXXX ] [ XXXX, South Carolina XXXX ] Subject : Cease and Desist Notice Regarding Account Number XXXX Dear Sir/Madam, I am writing to formally request that you cease and desist all communication regarding account number XXXX. I believe that the collection practices employed in relation to this account XXXX violate my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Please be advised that I do not acknowledge the debt associated with this account, and I request that you provide verification of the debt as required under the FDCPA. Until such verification is provided, I ask that you refrain from any further communication with me. 

Additionally, if you continue to contact me regarding this account, I will have no option but to escalate this matter to the appropriate regulatory authorities and seek legal advice. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Filed complaint XXXX against Synchrony Bank Lowes account for undue fees which they responded they would refund but have not. Checked my credit report today and they are showing a new charge of {$2.00} which is their minimum interest fee. I had called when my balance was zero asking they CLOSE THIS ACCOUNT and stop the paper statements which they also charge for. I checked my credit report today and they are showing a {$2.00} balance. Do they think they can just charge me {$2.00} a month forever under the above circumstances? This is thievery! I want this new {$2.00} fee removed and the refund they promised and the account CLOSED meaning no more fees!

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 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
To whom it may concern, On XXXX XXXX I received a email from XXXX XXXX  sating I have a collections owned. When I went to log into credit karma XXXX seen collections from diversified adjustment for the amount of XXXX. I do not owe this, this isnt my debt. I went to call them and they replayed its not their problem and try to make a settlement with me. I also called XXXX with no help. I need this removed off my credit report! As this isnt correct and fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection/Chargeoff from XXXX XXXX with a balance of {$1700.00}, XXXX XXXX with a balance of {$270.00}. XXXX XXXX  with a balance of {$3200.00}, XXXX with a balance of {$10000.00} and XXXX  with a balance of {$6400.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This account is being reported on my consumer report. I have no knowledge about this alleged debt or this collection company. I was never notified about my right to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
My brother and I are having trouble collecting the remaining credit on our father 's Costco Anywhere Visa Card by Citi. Our father XXXX XXXX in XX/XX/XXXX, and I contacted Citibank about his card. We received a letter listing the items we needed to mail to the company, including his death certificate, a notarized letter from the executor of our father 's estate, proof that my brother is the executor, and the complete account number. 

We sent these documents together by XXXX in early XX/XX/XXXX, mentioning in the letter that we did not have the complete account number and only the last 4 digits. In the chaos and grief of his passing, we lost documentation with that information. 

I called Citibank today to follow up, telling them that we had sent the documents but never heard back. The customer service agent said that they received the letter but not the other documents. Additionally, she said we can not proceed without the full account number. 

This is the last outstanding issue we are having with our father 's estate, and we have not come across another situation where a company is requiring so much documentation, unclear about what happened to the remaining documentation we sent, and being unresponsive. We feel that Citibank is putting undue burden on us to resolve this issue.

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 2024-11-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: CA

Complaint narrative:
Company Netspend mailed two debit cards with chips to our home unsolicited. This is very irresponsible, anyone could have activated the card using the included QR code, and I have no doubt -- prepaid or not -- that would've ended up becoming a giant pain in the XXXX for me, the random consumer who did not ask for this waste of plastic in the first place. Apparently sending unsolicited cards ( complete with chips! ) is how Netspend solicits business, and the folks who are unlucky or desperate enough to activate the card get absolutely hosed with fees. Shame on this company for polluting the environment, creating easy opportunities for misuse, and for preying on the poor.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
All transactions and charges on this account are fraudulent. I never benefited from any of these transactions. I need these fraudulent transactions to be removed from my credit report to prevent further fraudulent activity of my information.

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 2024-11-13 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: IL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-11-13 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: IL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-11-12 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: IN

Complaint narrative:
For months, I have contacted your team about inaccurate accounts on my report that are currently in litigation, yet they remain unresolved.

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 2024-11-12 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: KY

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I have been a member of NFCU and saw the notice of publishing in reference to the issue and I did fall under the situation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: LA

Complaint narrative:
In XXXX v. XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.

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 2024-11-12 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: CA

Complaint narrative:
I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws. 
These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or missing disclosures — 
Company: Activehours
State: TN

Complaint narrative:
I canceled Earnins access to my bank account and debit card XX/XX/XXXX through my bank. I still had charges to my account XX/XX/XXXX and contacted earnin support through their chat and revoked authorization and all access to my accounts. The initial support person told me that I would need to wait to see if the charges clear, then come back to ask them to be reversed. The charges cleared XXXX, and I chatted with support again. They then said that I would have needed to contact them 2-3 business days before my payday to revoke authorization, which is different from their printed policy. They then said that the charges did not clear since Id already revoked access and that they did not have the money. I contacted my bank again and they informed me that the charges did, indeed clear. I returned to chat again with Earnin and they continued to say that the charges did not clear. I contacted them again XX/XX/XXXX and they said that the charges did not clear and that the bank probably reversed the debits. Not true. I contacted them again today and sent the requested proof that the charges cleared and my account balance, as they still denied such. Then, I was told that they could not refund because the debits cleared successfully. There is no record that they have the money, because they did not update activity on the app at all after I revoked authorization, even though they received 3 debits. The debits in question are : {$88.00}, {$130.00}, {$160.00}. Since this has happened, I have learned that this is a predatory practice that is designed to trap consumers in an endless cycle of debt with muddy policies that seem to change depending on which representative you speak with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Fraudulent Unauthorized Accounts : Account Name : XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$1800.00} Accoount Number : XXXX Account Name : XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$570.00} Accoount Number : XXXX Account Name : XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$3500.00} Accoount Number : XXXX Account Name : XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$3700.00} Accoount Number : XXXX Account Name : XXXXXXXX XXXX  When Account Was Open : XX/XX/XXXX Amount : {$1500.00} Accoount Number : XXXX Account Name : XXXX XXXX XXXX XXXX - When Account Was Open : XX/XX/XXXX Amount : {$3500.00} Accoount Number : 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