vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 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: VA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
IN THIS LETTER PLEASE SEE THE ATTACHED POLICE REPORT as requested via letter by Equifax in order for this account to be blocked. 
I am writing to demand the fraudulent XXXX account that has been reporting to my credit card for a year now to be removed. The account begins in XXXX and was fraudulently opened in XXXX. I have submitted multiple fraud reports for this account to be removed and disputes. Equifax and XXXX Fraud Department requested for me to turn in the full Identity theft affidavit report in order for this account to be removed due to Fraud. That has been done. 
Please review the last identity theft affidavit submitted with the previous letter that was sent out on XX/XX/XXXX. I attached proof of verification and the identity theft affidavit to my previous letter that certified mail confirmed that you received. 
This account must be removed/ blocked within XXXX business days after receiving. XXXX and the CRA is being unlawful due to this fraudulent account to still be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am writing to dispute incorrect personal information that are reported on my credit report. I need this fraudulent information removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My husband and I have a XXXX XXXX that is our only source of income for our family. We have XXXX Bank of America business credit cards with Bank of America. Until recently we have always been able to make our payments on time. On XX/XX/XXXX BOA withdrew {$2700.00} out of our checking account to pay CC # 1. This setoff payment included the minimum amount due for XX/XX/XXXX. On XX/XX/XXXX BOA withdrew {$4000.00} for CC # 2 and left us with less than enough to cover our rent, payroll, or any living expenses. We have tried working with the bank and they will not return the money. Our deposit agreement with the bank says that setoff payments will not be used to pay credit card payments. I certainly don't want to default on any balances due, but not sure how I can recover when I am not able to pay my mortgage, utilities, payroll, minimum payments for other balances or provide food for my XXXX children when over XXXX XXXX  was withdrawn unexpectedly. I understand BoA would like their past due money. But without the money in our account we are not able to get products needed to finish orders that would put more money in our account that would produce the ability to make our payments. Any assistance would be greatly appreciated. We were not given any notice of these deductions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
At the time I had two collectors, collecting for the same balance of my federal student loan. When I contacted at XXXX, I was explaining that they do not have my loan. They are not able to pull up my information because I am not in their system. I asked them why are you reporting on my credit file I am in the process of purchasing a home and sending my children off to college and I am able to do so because your company is also reporting that I owe the same balance as another company. If I dont owe it, please remove and send information to the credit bills that I am not responsible. This was over 90 days ago. Im still fighting the same issue with XXXX. They have not removed themselves from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
I contacted my loan service provider to request a statement that would contain XXXX pieces of information, all on the same document. Specifically : - Loan Account Numbers- Payment Amounts- Payment Dates I asked for this information because my employer provides a loan payment match program via XXXX XXXX 's XXXX platform, which requires the above information to disburse a matching payment. I called my loan provider ( ECSI ) on several occasions asking for this information, and was told by a representative on XX/XX/XXXX that the company would send a document with the requested information. That document never arrived at my residence and thanks to the delay, I have unfortunately likely foregone the ability to receive the matching payment through my employer, which would have matched payments I made to ECSI totally more than XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: GA

Complaint narrative:
XXXX XXXX XXXX with account # XXXX opened on XX/XX/2022 and a balance of {$44000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Pleaseprovide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: NY

Complaint narrative:
The landlord has sent a collection after there is no residence or rental months for the time of the collection at all for the address. My residence and rental was paid in full at a different address as of XXXX of 2023. The landlord used pesticides to vacate the unit, then sent demands for the unit to be unoccupied for more pesticides to be sprayed inside the unit. The pesticide is not pet or person friendly and causes medical conditions including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
I recently reviewed my escrow analysis for this year and I found 2 payments one made XX/XX/2023 for hazard insurance and XX/XX/2034 additional hazard but the name was XXXX XXXX  for the amount {$4000.00}. I reached out to freedom mortgage insurance and I stated I dont acknowledge this payment nor approve it. Since my home is a single family property. I asked for Breakdowns of what this has covered and time frame since this is a large amount of money. The gentleman declined to send me any documentation. He stated this how they coded the property as a condo but we its not! 

Also the gentleman reached out to homesite for past policy information and which he found was this policy was paid late by freedom mortgage and the insurance company had canceled the insurance policy. ( On their recorded line I must say ) Which I had no acknowledgment or this would have not been taken so long resolve. Until recently as XXXX I received a letter stating we did not have proper insurance coverage for the property and needed to update the policy. Which I did so and is current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Caine Weiner debt was removed then readded and I didn't receive any notification. Nor did I receive any validated information. All 3 bureaus don't match. It was removed from one bureau and never readied. The other 2 it was readded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XX/XX/2023 NAVY FEDERAL INVESTMENT SERVICES, XXXX XXXX XXXX XXXX XXXX, VA XXXX UNITED STATES Further FCRA, as a federally protected consumer : The term consumer means an individual who obtains, from a financial institution, financial products or services which are to be used primarily for personal, family, or household purposes, and also means the legal representative of such an individual. I am now opting out of ANY and ALL authorization, I the consumer may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 titled Obligations with respect to disclosures of personal information, which states : ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.

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 2024-01-03 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: MI

Complaint narrative:
Need this account removed trying to buy a home soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
Carrington Mortgage Services duped me into relinquishing my forbearance over a phone call by... 

I called about servicing on my account. The first thing they said was, " do you want to waive the PDMD from your account? '' I said what for? What's that? " It's for disaster relief from fire and flooding. '' I wasn't in a fire or in a flood? I said, for Flooding? I live in XXXX? They said, " yes, do you want it off '' I said yes. ( for flooding ). 

Then they sent me a letter saying you Voluntarily canceled your PDMD forbearance plan. 
Then I looked it up and see it includes XXXX XXXX. I was duped. I was targeted, given false information, and they relieved themselves of the forbearance and probably do it to XXXX XXXX of their customers. 

My loan was with XXXX and has just sold in the last 60 days to Carrington, so that is why this trick is now being played on me.

I also read now, that CFPB fined Carrington $ XXXX in XX/XX/22 for doing similar tactics. 
I wish I could have chosen who bought my loan from XXXX. I kind of feel that XXXX should be fined, too, as they must have been aware of these shady practices and still put me in harm 's way. 

I asked Carrington for a transcript of my last two calls for proof. They said no. I asked for a manager, they said one was not working, they told me they can't undo what I had done. I tried to explain that this is the GRIEVANCE! It was by Carrington 's miscreant hands that did it, not mine. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
RENT RECOVERY SOLUTIONS in XXXX claimed to have this alleged debt & has been falsely reporting inaccurate information to consumer 's credit profile, without CONSENT or Proof of claim Since XX/XX/XXXX RRS has damaged consumer 's credit worthiness. 
Consumer had taken multiple steps in resolving the issue with RRS, requested several documents in proof of claim, none were presented. 

The following documents mailed by RRS dated on XX/XX/XXXX Cover letter ( notice name spelling ) Apartment Rental Contract ( notice name spelling. ) Contract including a different address, name & signature is NOT of consumer to whom it was originally reported on. 

Move out Statement is the same incorrect consumer 's name, address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Registered at XXXX  XXXX XXXX in the following classes : XXXX XXXX XXXX XXXX XX/XX/XXXX -Verified, Accepted student loans to pay for classes XXXX -Enrolled in all 4 classes stated above XX/XX/XXXX -Dropped out of classes due to missed discussion board post. XXXX  XXXX XXXX asks you to post every two weeks to a discussion board to count as attendance, however, I missed the last discussion board deadline due to being laid off and financial difficulties. 


XXXX -Made several calls and emails to XXXX XXXX XXXXXXXX XXXX As well as multiple phone calls to the Veteran Affairs Department to let them know I was indeed enrolled in all my classes up until XX/XX/XXXX. However, XXXX  XXXX XXXX kept mixing up that I was enrolled in a few classes when I was completing assignments for all four classes. To apply for XXXX  XXXX XXXX XXXX XXXX ( CB ) classes you can only enroll in 4 classes at a time. 

-I called the VA education department and was told that I enrolled in only two classes and the others one at a time. That was incorrect. This is why the Veteran Affairs for Education Department thought I was not fully enrolled but again I was signed, enrolled, and completing assignments/discussion boards for all four classes stated above until XX/XX/XXXX when I was dropped for a missed discussion board. They said I owed them for XX/XX/XXXX and was not paid for my final month in XXXX. 

XXXX - After multiple miscommunications with XXXX XXXX XXXXXXXX and calls back in forth I called the VA for Education Department again . The agent on the phone said I have one more option to send over a financial status report to the VA department so they could decide on whether they would waive the amount they said I owe. I complete it on XX/XX/XXXX and send it through XXXX on XX/XX/XXXX. 

XXXX -I called about a week later to see the update on the decision and I was told I would get a letter. So, throughout the months I didn't recieve anything in mail so I assumed everything was handled. Also, I was no longer enrolled in school and focuses on building my income again. 

- Again my issue is that I was enrolled as FULL time as a XXXX  XXXX XXXX student up until XX/XX/XXXX. I do not owe money because I was completing assignments and discussion boards on all classes. I was not a XXXX XXXX XXXX or in XXXX class at a time. I have attached any evidence I could find/ had access to for my proof of attendance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: CA

Complaint narrative:
I am submitting this complaint after reviewing a copy of my credit report. I noticed that there are some fraudulent inquiries listed on my credit report. There is inaccurate employment information reporting. I have attempted to resolve this matter with the credit reporting agency but they have been negligent in complying with my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: CA

Complaint narrative:
When I wanted to set up my auto pay on my account when I charged my rent to my American Express and used the Plan it option. There was no calculated amount I did not know when to set it up. Then it's like the bill is due the XXXX I'm swamped at work and it's XXXX and XXXX XXXX they did not send mean reminder the day of or the next day it wasn't paid there was a late fee already on there more than 5 % what is due. I'm paying so much in interest in these guaranteed payments to you and you're charging still an obscene over 10 % rate to me and I'm paying it. I did it twice. When I wanted to pay there was no way to setup auto pay on the '' adjusted amount " as soon as I got the email asking if I forgot to pay I paid it but I already got a late fee. You got the money in 2 days. How did the {$29.00} late fee go to collecting? Did it cost that much to email me to pay? Did it accrue that much interest the {$500.00} payment in 2 days accrued {$29.00} in cost? This is obscene and predatory and there is no way this is good decent business practices. They told me because I had XXXX other issues prior in the 7 years I had my account for {$18.00} total they would still charge the {$29.00}. That is crazy to me and I will not pay it. There needs to be an option for consumers to fight these predatory charges in a way that doesn't destroy their credit. It legit is a system set up against the consumer and the financial service industry is getting so greedy taking a percentage fee of every transaction in the world it's no wonder I choose to use XXXX when I can. I'm hoping that AMEX can show me in good conscience how it cost then {$29.00} to collect that payment and truly justify the late fee as not some predatory interest rate against the struggling young recent college grad. I'm definitely willing to fight this in every way even though {$29.00} isn't much to me and obviously it's nothing to you, but it's my integrity I'm not willing to compromise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
After depositing a government check for over {$30000.00} on XX/XX/XXXX to Ally Bank, entire account has been locked and I can't access funds that were deposited prior to the deposit to pay bills.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: EdFinancial Services
State: TX

Complaint narrative:
I have a payment that was made and withdrawn from my bank account on XX/XX/XXXX in the amount of {$70.00} that was not credited towards my loan as Edfinancial changed their website and did not include it towards my account history. I have already contacted Edfinancial numerous times and have not received a helpful response even after submitting the evidence of the payment, including a confirmation email and evidence of the payment being withdrawn from my bank account on XX/XX/XXXX. The payment was made to 'US Department Of Education ' but Edfinancial does not seem to think that along with the payment confirmation email is enough proof that a payment was made. Edfinancial has further sent me an email on XX/XX/XXXX that my inquiry has been resolved when in fact nothing has been done to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have multiple hard inquires on my credit report, that I had no knowledge of up until my recent credit review. XX/XX/2024, and the inquires have been on my credit report for over 11 months. This has had a negative effect on my credit which has made it impossible for me to do anything for my family. I have faced many hardships within XXXX which have also had negative effects on my credit and i need it to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: NY

Complaint narrative:
Transunion and XXXX continue to allow fraudulent names and addresses to remain on my account. I am unable to dispute this incorrect information ( identity theft ) because the personal identifying information you are prompted to submit either by their online services or over the phone I am unable to provide because they are requesting information that is not mine.

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