vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
I received a notice to foreclose on my home due to non-payment. After researching my account I noticed that {$6100.00} of payment has not been applied to my account. I don't know what game they are playing. I feel like they are trying to lie and take my home from me fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings
State: MO

Complaint narrative:
This collection agency continues to violation my consumer rights along with folling FCRA laws. They munipulate tthe credit bureaus to rfeport inaccurate and false information. I have a letter that shows the proof

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
After pulling my credit file and seeing this companies last response to my last CFPB complaint not only are they harassing me but they are reporting the wrong date on my credit file. This account was not open in XXXX. The last activity on it was XXXX when it defaulted. I have uploaded proof they lied on my credit file as well. They need to correct the date when the account was open and it is past the status of limitations as well so they need to remove it. I will be seeing them not o ly for harassing me but for lying and reporting the wrong info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
They refuse to send me a monthly bill/statement either electronically or by mail. Then when I don't pay they have charged interest that they refuse to remove. I am a senior citizen and this purchase was to buy hearing aids on an interest-waived installment plan.

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 2023-10-28 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. 
Please remove the fraudulent accounts from my credit report 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 2023-10-28 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: LA

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.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: BMO BANK NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Entered into a loan with a different lender. Without proper notice or disclosure that credit and personal info was being released to this lender and sold, this is a violation of my privacy and a violation of original contract by original lender. B.M.O has hung up the phone disregarded my rights as a consumer. B.M.O. has refused to furnish any contract with my mark on the authorized representative line showing that I agreed to do commerce with this commercial entity. The original contract was paid in full or satisfied at the time original lender breeched purchase order and privacy agreement in the commercial transition between Bank of the West and B.M.O. All this was done without my knowledge or consent and without written permission from authorized representative known as XXXX XXXX. B.M.O. is holding and not processing payment instruments issued to original lender, from invoices from original lender that had my mark on authorized representative line in original purchase order consumer credit transaction and billing me without contract in the same month. There are late payments on my credit without written consent this is a violation of my rights.

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 2023-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Account is paid in full remove immediately I uploaded the receipt to show it's paid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 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: OR

Complaint narrative:
You are reporting inaccurate information in my credit report. Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts included in disputes letters attached below :

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 2023-10-28 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: CA

Complaint narrative:
Mohela had no record of my prior IDR payment amount despite the fact that it should have ported over from XXXX, despite the guidance from the XXXX XXXX and DOE. I was told to reapply to get an IDR payment amount. I did so and Mohela apparently cant seem to calculate my correct payment amount. As a former teacher with a new baby, this stress in entering repayment has been hard to bear. 

I applied to the save repayment plan with my financial information as well as my spouses. The Mohela application correctly calculated my payment amount as allocated between my spouse and my loans ( Est. {$60.00} of a total of est. {$360.00} ) ; however, the amount actually applied to my account as I entered repayment was the full amount both my spouse and i are required to pay rather ( est. {$360.00} ) than the allocated payment amount based on my relative loan percentage ( est. {$60.00} ). My spouse has roughly XXXX in loans while I have a mere XXXX in loans, so this payment distribution makes no sense. 

Initially I was put into admin forbearance in XXXX for this calculation, presumably, but when I was put on repayment for XXXX, the amounts were erroneous as described above. 

I'm troubled that this miscalculation occurred as I provided accurate financial information through the servicer 's repayment verification process. I did not receive a copy of the information entered, and instead only received billing information with the incorrect amounts. 

I have contacted mohela several times and asked for a review of my account and a temporary placement into administrative forbearance while they review and preferably rectify their payment calculation issue, but i have received no reply despite these inquiries. This is despite their claim that they will respond within 3-10 business days. 

I would be fine paying my loans at the correct amount but my spouse and I will not essentially double pay for the servicers miscalculation. 

as Mohela has been unresponsive and i have little desire to wait on hold lines for hours to be told incorrect information ( as my spouse has experienced several times ), i'm hoping this complaint process can spur correction. i'm happy to provide whatever information is needed. thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 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: CA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

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 2023-10-28 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: CA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: WA

Complaint narrative:
There is inaccurate information regarding on my credit report which i have no knowledge about and never heard about it I never knew about till I had a mortgage broker who told me That while I was applying to the mortgage loan! 
Those companies are : 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 2023-10-28 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: Maximus Federal Services, Inc.
State: NH

Complaint narrative:
Attempted to make several loan repayments before the due date and each time AidVantage reverses the payment. I receive the email thanking me for payment but then a few weeks later receive an email saying that they have not received any payments and I am past due. This is incurring interest and affecting my credit score poorly. Please help! 

XX/XX/2023 Payment Reversal XX/XX/2023 Payment XX/XX/2023 Payment Reversal XX/XX/2023 Payment XX/XX/2023 Payment Reversal XX/XX/2023 Payment XX/XX/2023 Capitalized Interest {$220.00} - {$220.00} {$110.00} - {$110.00} {$110.00} - {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
In XX/XX/XXXX, I got an unsolicited mailing from American Express inviting me to open a new credit card account, with a promotional offer of {$350.00} after spending {$3000.00}. I opened a new account ( ending in XXXX ), spent the required amount, and qualified for & received that offer. I paid all my balances on time. In XX/XX/XXXX, I called to close my account because I was going to go do volunteer work in a country in the XXXX XXXX where AmEx is not used. The customer service agent closed my account as requested. I specifically asked if there were going to be any other charges or fees incurred, and they said no. Then on XX/XX/XXXX, I receive an email from AmEx saying my XX/XX/XXXX statement is due on XX/XX/XXXX for {$280.00}! I thought someone may have stolen my card or something. I called AmEx and they said that because I closed the account less than 12 month after opening, the promotional offer was revered! Yet, the customer service specialist I spoke with gave me no indication of that possibility at the time of account closure. Otherwise. I would have chosen not to close the account! 
Since then, I have called AmEx numerous times to try to resolve this, to no avail. No apology for the confusion, no courtesy discount or credit. 
This feels really unfair and almost exploitative. I am also currently unemployed and am taking care of my elderly parents. On top of that, my good credit score has been impacted by this. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
This company has called me 28 times left 9 voicemail and 2 text within 7 days of being late. The manager called me from her personal phone and told me she is allowed to call up to 6 times per day. They also continue to offer a resolution under the guise of help called a fresh start when in reality it starts over your year period of paying interest only which they do not tell you upfront since they represent it as help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/2023 XXXX unauthorized charges totaling {$7300.00} appeared on my Care Credit accounts ( owned by Synchrony Bank ). I disputed the charges in writing and they were removed from my accounts. 

However, in XX/XX/2023 XXXX new unauthorized charges totaling {$7300.00} appeared on my Care Credit accounts, described as " XXXX XXXX XXXX XXXX. '' I again disputed the charges in writing, but this time Care Credit did not post temporary credits for the unauthorized charges, and instead they falsely reported artificially inflated credit utilization rates of 98 % and 99 % to the credit bureaus, thereby lowering my credit scores significantly. 

In XX/XX/2023, as a result of the artificially lowered credit scores, Synchrony lowered the credit limit on my PayPal Mastercard from {$4000.00} to {$1900.00}, citing the ( false ) data Synchrony itself was reporting on my Care Credit accounts.

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 2023-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Account is paid in full remove immediately I uploaded the receipt to show it's paid

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 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: GA

Complaint narrative:
The company lexisnexis risk solutions XXXX XXXX XXXX XXXX ga XXXX XXXXXXXX XXXX They are stating that I had accidentally of XX/XX/XXXX never had an accident I did have a speeding of XXXX XXXX XXXX and in XXXXXXXX XXXX XXXX was a coverage claim for inclement weather that damage my car but the accident I'm disputing incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I received approval for Arkansas rental assistance on this full balance of {$2800.00} on XX/XX/XXXX. This check was mailed directly to a landlord ( XXXX ) who quit shortly after/left this company on bad terms!! 

On XX/XX/XXXX The next landlord accused me of stealing an oven ( which was a false accusation ) and then magically my rental account all of a sudden ended up in collections THE SAME MONTH after arguing with the second property XXXX about property she falsely accused me of stealing! 

WHY did XXXX  months pass before I was sent to collections?? IF this was a proper collection-the landland originally handling my eviction process would have turned me in. 

This is company retaliation and illegal to open a collection account against me when I have confirmation that this company did in fact receive a check for the full amount owed! I have attached PROOF with my relief confirmation letter! 

I also attached the proof of this landlord falsely accusing me of theft of property via email and threatening to have me arrested!! She obviously opened a collection account the same month as our negative email exchange!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
Ive attempted to make a payment on my loan multiple times since XXXX. I have plenty of money in the account and I have verified the routing and account numbers but the payments keep getting reversed. I have used different accounts to see if it was a problem with a specific bank account, but they still got reversed. I had a very difficult time trying to find a person from Roundpoint to talk to. I searched multiple times to find a number without finding it until I finally found it buried in a faq page. Once on the call, it also took several attempts to get to an actual person. They have charged me late fees and reported me to the credit agencies when, in my view, these delays are a result of their systems and their attempts to save money. I dont feel that I should be held responsible for the fees or negative credit ratings. Their record clearly shows that I attempted to make payment multiple times and with multiple accounts. It would have been quite easy for them to provide a phone number for me to call or to call me when their system didnt recognize the account number. At this time I am still not certain if my payments have been accepted.

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 2023-10-28 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: SC

Complaint narrative:
I have some student loans that is inaccurate. I submitted a dispute for them with Experian The 5 student loans I disputed should be showed as closed not opened.

If can't verify the accounts is accurate I want them changed to 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