vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
my credit report is showing a auto loan from Santander consumer usa for the about of {$37000.00} opened on XXXX XXXX XXXX. this account does not belong to me and I would like it removed from my account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
This issue is with Pay Pal. They say they are having an issue with customers not being able to enter their TIN or SSN to release funds that are put on hold by Pay Pal. I have tried over the past month to resolve this and have been told " we are working on it on our end ''. In the meantime, they have almost XXXX of my funds " On hold '' and will not release the money. They gave me an internal Ticket # of XXXX. However, my last XXXX attempts to get an update via e-mail have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive previously filed a dispute for an investigation to correct errors and or delete for continuous violations and have not received a response from XXXX XXXX XXXX threw XXXX XXXX TransUnion. They continue to report inaccurate and inconsistent reporting on my credit report in which it has negatively affected me and cause damaged. Ive filed a complaint threw the XXXX XXXX XXXX and even so filed a complaint with the State General Attorney. They have yet to even reply to the XXXX XXXX XXXX request. According to 15 USC 1681i XXXX, TransUnion, and XXXX shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Theyve failed to do so multiple times! They say it comes back verified but yet still reports inaccurate information and fails to mark the account as disputed which means it was never disputed! If not handled and deleted for violations I have no choice but to collect for damages which I am entitled to. Evidence provided 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 2023-02-28 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: Possible Financial Inc
State: CA

Complaint narrative:
Ive previously filed a dispute for an investigation to correct errors and or delete for continuous violations and have not received a response from Possible Finance Inc threw XXXX XXXX XXXX. They continue to report inaccurate and inconsistent reporting on my credit report in which it has negatively affected me and cause damaged. Ive filed a complaint threw the XXXX XXXX XXXX and even so filed a complaint with the State General Attorney. They have yet to even reply to the XXXX XXXX XXXX request. According to 15 USC 1681i XXXX, XXXX, and XXXX shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Theyve failed to do so multiple times! They say it comes back verified but yet still reports inaccurate information and fails to mark the account as disputed which means it was never disputed! If not handled and deleted for violations I have no choice but to collect for damages which I am entitled to. Evidence provided below.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
Due to statewide shutdowns, the closing of my place of business, continuous business suspensions, and my illness, I was tremendously affected by the XXXX Pandemic, and I fell behind on my mortgage. I was offered a forbearance, which I thought would help with restoring my past due amount. Consequently, Fay Servicing told me that I had to pay all of my arrearages in order to stay in my home and I did not have it. 

So Fay Servicing forced me into an arrangement where I had/have to pay upfront {$50000.00}. in XXXX, ( PAID ) {$50000.00}. XXXX ( PAID ) {$54000.00} XXXX The foreclosure sales date has been scheduled for XX/XX/, even though all of my payments have been made on time. 

8 times I applied for a Loan Modification, and Fay Servicing kept saying they never received an entire packet, which they had. I kept submitting documents up until they placed a foreclosure notice on my door. 

I filed for assistance with the Maryland Homeowners Assistance fund, Fay Servicing told MHAF that they don't participate in the program and that I was not eligible for a Loan Modification. and they also denied funds from MHAF. After my file was closed with MHAF, ( and the funds were denied ) Fay Servicing did offer me a Loan Modification. 
So egregious. 

TERMS Interest-only vs Fixed Conventional FHA {$400000.00} balloon payment vs No balloon XXXX years vs XXXX year remaining Payments increased by {$170000.00} more per month {$5700.00}. vs {$4000.00} Interest rate XXXX % vs XXXX % Fay Servicing filed for a sales date while my application was being reviewed with MHAF. In addition, Fay Servicing would not speak with me about my accounts for months leading up to scheduling a sales date. I was trying to work out something, but they weren't offering me any options but to foreclose, and take my home. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My loan is with Chase Bank. I took the covid deferment and have returned to making my regular payments. When I took the loan, I was told that the deferred amount would be added to the end of the loan and I would be able to continue to make payments until it was paid off. In order to make up for the missed payments, I paid more than what was asked of me. They now tell me that I have to pay a balloon payment, even though my mortgage does not reach maturity until 2025. I asked to continue to make my regular payments until the rest of the debt was paid off. I owe around {$27000.00}. I make payments of {$2800.00} a month so it should be paid off before the year is up. They refused and told me that I had to make a balloon payment. I have read on your site and the fannie mae website that they can not ask for the balloon payment and that I should be allowed to continue to make payments. I now get late notices saying that I am behind on my payments, even though I have continued to make my payments. The bank refuses to credit my payments to the loan but is holding my money and telling me that I have to make a balloon payment. I have talked with the bank about this for at least 9 times within the last month and at least 3 times this week alone. If someone had a financial hardship and had to take this deferment, how would they have the money for a balloon payment of {$27000.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I opened a credit card with Jared the XXXX of Jewelers store, issued by Comenity Bank. On XX/XX/XXXX, I called Comenity Bank and asked for the total balance due, because I wanted to pay off my credit card. They provide me with the information of {$320.00}. I made the payment over the phone and I paid off with my debit card from XXXX. On XX/XX/XXXX, I received a phone call from collection department stating that I have a remaining balance of {$39.00} and it was past due. I asked why I owe them {$39.00} if I paid off my credit card on XX/XX/XXXX? She said, the {$39.00} is for the credit card fees that were not included when the amount due was given. I asked the lady to put a manager on the phone. She put me on hold for a long time, and when she came back, she said that they were going to remove the fees. It seems that they incurre after the payment. She realized then that I actually had a credit. Also, she stated that by XX/XX/XXXX, a letter will be arriving with the notification of XXXX balance due. I never received the letter and I never bothered in calling them. I trusted the lady and since I paid them off, I just let that go, meaning the letter. On XX/XX/XXXX, I noticed a missed payment on the XXXX XXXX - credit score information. I called XXXX right away thinking that they have me as missed payment. They advised that they were not, but some other creditor did. I called XXXX and I opened a complaint to investigate which creditor did that. I received a letter on XX/XX/XXXX from XXXX stating that they concluded the investigation showing that Comenity bank/Jared credit card still have me of being late 30 days. I want this creditor to hire qualified customer service, because we consumers are paying the consequences. This is impacting my credit report/score because the miscommunication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Regions bank took {$2000.00} out of my savings account for a secure loan of {$2000.00} I informed them to keep the {$2000.00} they took out of my savings account to pay off the secure loan in full and close the account they took my money but they are still trying to collect money from me bye sending me a bill still on this account which should have been closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
I received a bill thru Convergent for {$50.00} for an XXXX account I dont have. I have never had XXXX as a service.

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 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX On XX/XX/XXXX, I made an online electronic payment from my XXXX XXXX  checking account to Comenity Capital Bank in the amount of {$200.00}. The payment was intended to be applied to my NFL Extra Points Visa credit card with Comenity Capital Bank. I have used this method of payment many times in the past for this credit card and all of my other bills. 

A few days later, I received a notification from Comenity that my payment for XX/XX/XXXX was not received. I checked my XXXX  bill pay account and realized that I made the XX/XX/XXXX payment to Comenity Capital Bank, but I inadvertently applied the payment to the wrong account number. 

My previous NFL Extra Point Visa account number was XXXX. I made my XX/XX/XXXX, payment to this account number. I should have made the payment using my current account number ending in XXXX. 

I called Comenity Capital Banks Customer Service number and spoke to a representative to explain the error. The representative said that they could not find my payment in their records and that I would need to mail in a copy of my electronic payment to their dispute department. 

On XX/XX/XXXX, I mailed a copy of the proof of electronic payment from my bank account bill pay and a letter explaining the error to the dispute department at Comenity Capital Bank. 

From XX/XX/XXXX through XX/XX/XXXX, I called Comenity Capital Banks Customer Service number and talked to several customer service representatives and managers who all told me that they received my dispute documents but were unable to apply my {$200.00} payment to my account until the investigation was concluded. Initially, I was told that the investigation would take 7-10 business days and then later I was told that it could take up to 90 business days. It seemed outrageous and impractical that the bank would receive a {$200.00} payment from me to my old closed account number but was clueless about how to transfer and apply that payment to my current account. 

Finally, on XX/XX/XXXX, I received a letter from Comenity Capital Bank stating they need additional evidence that I made the XX/XX/XXXX payment. I called Comenity Capital Banks Customer Service number and was informed that they wanted me to have my bank trace the payment and their investigation would take an addition

al 90 business days.

I can not express the frustration that I am experiencing with this entire situation. I made a payment to the correct bank that has all of my information but used the incorrect account number and Comenity Capital Bank has kept my money and is acting as if they cant find it for over 5 months now. This is outrageous and unprofessional and predatory and I want my {$200.00} payment applied to my current account and all late fees removed immediately. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
On XXXX  we received a letter from PHH Mortgage that our PMI was removed and our home owners insurance would be cancelled effective XX/XX/XXXX. In the letter it was mentioned we were responsible for finding new insurance, not that we needed to send our insurance to our mortgage company. On XX/XX/XXXX PHH withdrew money from our escrow in the amount of {$1800.00} to renew insurance with XXXX after we would told it was was cancelled and secured new insurance with XXXX XXXX. After numerous attempts we got through to customer service on XX/XX/XXXX and were transferred 6 times and were told we had to call XXXX  to get a refund and to send our next insurance in. The customer service supervisor told me that he would make sure that PHH would NOT pay our XXXX XXXX insurance since it was paid through out account. I sent in a copy of our XXXX XXXX insurance declaration on XX/XX/XXXX to the email told and in the email stated explicitly DO NOT PAY insurance. I had to call XXXX to receive a refund on XX/XX/XXXX. I then looked on my mortgage and on XX/XX/XXXX they paid my XXXX XXXX  insurance in full after I explicitly told them not to. I called back customer service again on XX/XX/XXXX after being transferred 3 times and told them they need to refund my escrow and I was told that my account would be noted to NOT pay insurance. 
We have spent hours on the phone trying to get our money back and having them stop paying for the insurance we are already paying. They are not trying to help at all and making me do all the work from their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federaly protected consumer rights to privacy confidentiality Under 15 USC 1681. 

ACCOUNT NAME # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX XXXX # XXXX HAS Violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without written instructions.

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

15 U.S.C 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX 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 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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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