vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
I have now experienced XXXX occasions where Bank of America ( BoA ) has either not instituted the " auto pay '' for the balance of my account or turned it off without warning or any communication whatsoever. 

The first instance occured on a BoA card I opened XX/XX/XXXX. I had never missed a payment and in the summer of XXXX I called and spoke to a representative about the fact that I was departing for a XXXX  on a wilderness trip and would need to have my card on paid while I was without internet. The representative informed me of the " auto pay '' option and set this up over the phone. The representative ensured me that my current bill and future bills would be paid directly from my personal bank account while I was in the wilderness. Upon returning from my trip I received late charges and interest for a missed payment. Furthermore this has negatively affected my credit which I can see on my XXXX  account for the date of XX/XX/XXXX. I would like to have phone records pulled as evidence that this negative report should be removed from my account. 

The second instance occurred on my bill from XX/XX/XXXX. Auto pay was turned off by BoA and late fees and interest was applied to my account. I called in to have auto pay re-instated and fees reimbursed.

The third instance occurred on my bill due XX/XX/XXXX. The autopay was never turned on as promised by the representative and there are still late fees and interest showing as due from the previous billing cycle.

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 2024-03-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
1. ) In 2023 my renewal letter from XXXX XXXX  stated your homeowners insurance was renewing XXXX XXXX, 2023. There was no mention that the amount went from {$4900.00} to {$8800.00}. When I viewed my escrow all year there was only a escrow amount of XXXX. 
I believed the insurance cost was close to the same as the previous year. 
In XX/XX/2023 my mortgage went from XXXX to XXXX with Citizens Bank . 
I asked to drop my property tax escrow and keep the insurance. I still did not realize Citizens paid XXXX XXXX  XXXX dollars in 2023. They said I needed to bring my escrow to a positive balance and they would send the application to drop the escrow. That amount was {$870.00}. and I paid it and they filed the application to remove ESCROW. 
XXXX  days later they denied my escrow removal. Re analyzed my account a XXXX  past the insurance renewal. Posted the 2023 escrow paid to XXXX a year later. This is a deceptive illegal practice. They stated that I needed to be 20 % of my mortgage by XXXX XXXX in equity. The VA states I only need to be 10 % .This is a VA loan. 
I went to XXXX XXXX XXXX XXXX, ( not The Bank ) and set up a different insurance company. I got a policy for XXXX. Now I just received a letter from Citizens Bank that it need to be higher. I have contacted the insurance company and they sent me a letter that it takes XXXX  days to cancel the policy. I sent them a reply I do not want to cancel. If they cancel I will be fined 25 % of my policy cost. This is through XXXX XXXX. I got the Policy through XXXX XXXX XXXX. I am about to have a nervous breakdown. What Citizens Bank is putting me through should be out right illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I was paying my HELOC online and saw that the company was showing how much equity I had in my home. I had recently battled the same company on an alleged first lien that they were fraudulently claiming ownership of and it turns out they not only lied here in my answers to the CFPB - XXXX claiming to be servicers for XXXX XXXX and then admitting to being owner and holder of a loan that apparently does not exist according to THEIR OWN title company which cleared me to close on this loan increase. No first lien showed up - only a judgement from my ex husband which I promptly paid. I assumed that the company had done the right thing and removed themselves from my title - because no one can claim a holder status to foreclose on you if they're not on the title right? In fact - according to the law - only a holder in due course can sue the prior lien holders and New Rez is admittedly not a holder in due course. So, effectively, New Rez has been collecting my monthly payments since the beginning of this improper action all the while trying to sue themselves for the proceeds of the HELOC that I never missed a payment on and they themselves have continued to take the entire time they improperly had me in court.. The appraisal was also paid for and all was ok - so I was told. I hadn't heard anything so I called a few times and left messages with the loan officer. Today I went to the website to pay XXXX - since the loan officer instructed me to miss XXXX payments - I was unsure as to which XXXX so I made XXXXXXXX XXXX payment. According to XXXX website today- my loan has a star in the default column and no equity shows up at all and the number listed is the loss mitigation department. This loan was never even late and I would like an explanation as to why my loan is now in default status. This company never had any right to hold up my life, steal my equity and even take me to court let alone keep me from my equity now.

I will need a copy of all phone records, a copy of all
loan documents including the appraisal and the title search. They may have denied my rights to due process, XXXX and a fair trial but they are not getting away with stealing my equity any longer. This is a criminal enterprise and the CFPB has aided and abetted their operation long enough. Literally, my last complaint to this agency resulted in them admitting they switched positions and you guys did nothing. You are allowing these corporations to steal homes from law abiding American CITIZENS- and you all already knew that XXXX  XXXX XXXX had no authority to service anything when this fiasco began. You are all just as guilty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2024-03-31 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: Early Warning Services, LLC
State: TN

Complaint narrative:
This Company called Early Warning Services, Has all of My personal and private banking transaction history, Bank Name, Status History, balance information, routing and account number, etc.I ask the agent how they have all my information without my consent, and he told me my bank.I told him that in my terms and conditions it clearly states, they do not provide my information to non affiliates, but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX , are Third Party Companies My bank Violated me under the Privacy Act of 1974 .So Per the FCRA, as a Federally Protected Consumer, I XXXX XXXX , I am now opting out any and a authorization, I XXXX XXXX the consumer may have giving you, written, unwritten, verbal and non verbal per 15 USC 6802.Period, Point, Blank! Effective now and Indefinitely.I feel anguish, humiliation, grief, betrayal, lost of words for my banks in a whole past and present.The law says it is illegal to report transaction history period

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
I am unaware of any debt. I did not have an opportunity to dispute this debt before you placed it on my XXXX credit report. If you believe you gave me the proper notification, please send me the certified letter receipt showing my name, address, and signature. If you can not, please delete from my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XXXX, I noticed that my credit score with XXXX, XXXX, and Experian dropped from XXXX to XXXX despite no change in my credit report. I contacted all 3 by phone and only XXXX was able to fix this drop, stating it was because there was an erroneous dispute from my bank XXXX XXXX XXXX XXXX ) on my credit report, they removed this and the score went back up. My score with XXXX went back up on it's own. Experian could not tell me what was wrong via phone. I submitted a dispute via their website to ask for details why the sudden drop with no change to the credit report, and this did not result in any information. My credit score with them as of today ( XXXX ) remains at 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 2024-03-31 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-31 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: NY

Complaint narrative:
I am writing to dispute inaccurate information on my credit report. According to the report provided by " XXXX XXXX XXXX XXXX' on XX/XX/2024, there is an entry from XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX stating that I have an auto loan with them. However, I want to emphasize that I have never had an auto loan with XXXX XXXX XXXX XXXX. 

This entry is inaccurate and is negatively impacting my credit score. I hereby request a thorough investigation into this matter in accordance with the Fair Credit Reporting Act ( FCRA ). I ask that you promptly verify the accuracy of this information with XXXX XXXX XXXX XXXX and take necessary steps to remove this erroneous entry from my credit report. 

Enclosed with this letter are copies of documents supporting my claim. 

I appreciate your prompt attention to this matter and request that you notify me in response to this particular complaint ( CFPB.GOV ) the results of your investigation. If the investigation confirms the inaccuracy of the reported information, I expect the entry to be removed from my credit report immediately. 

Thank you for your assistance in resolving 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 non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio recovery is a debt collector they are trying to garnish my bank account and my assets I only get paid military XXXX that is my primary source of income and they are very well aware of that situation but yet keep threatening me to take me to court and garnish my wages I do not work my military XXXX is my only source of income. And I told the lady that that is my primary source of income that they can not touch it and she told me that's for the judge to decide

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
Mohala has practicing a lawful tactics that make it hard to get in contact with them about my student loan forgiveness. I also transfer my loans to MOHELA ( XX/XX/XXXX ) because of the public loan forgiveness program, to be approved for it then since a letter telling me theres a possibility that I dont qualify. ( XXXX, XXXX ) which is only reason, I agreed to transfer my loans over to their company. Also I have XXXX interest rates on my loans, they put my account in administration forbearance ( XXXX, XXXX, XXXX ) I am still collecting interest every month for my loans, which is it resulting in affecting my credit. They are also being investigated, Because of some of these problems. the Mohala reports. XX/XX/XXXX, They also had XXXX XXXX dollars withheld from the education department. This has been a complicated experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
XXXX and called the company right away and the purchases were not authorized by me. Another month goes by and the credit card company sent me another letter of saying I am, responsible for the amount and its gon na be reinstated on my credit card statement. I called them again and they told me they can try to get the money back from the criminal and if they dont, I have to pay it last time I spoke to the credit card company was XX/XX/year>. They said they cant do nothing for me which led me to contact you guys. I have proof to back up what happened to me forms of text messages as well as photos. I went back to the street where I was XXXX and saw the guy and was able to take a pic from far. I saw a local policeman and stopped him and asked him for help since I was scared to approach the guy he went to look for him based on the photo I provided, but could not find him. I did not file a police report at the time that I was talking to the cops. I had a XXXX with me and was not able to drive to the police station.My credit card is a Barclays card which I pay XXXXXXXX XXXX  XXXXyear.

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 2024-03-31 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: TX

Complaint narrative:
I, XXXX XXXX, a federally protected consumer, am the author of this complaint. 

According to my rights under the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am now opting out of all authorization that I may have given the following companies listed below, whether it was written, unwritten, verbal or non-verbal pursuant to 15 USC 6802.

Pursuant to 15 USC 6802 I am officially exercising my right to opt out, effective immediately, and hereby instruct the companies listed below to stop reporting and to delete this account from all consumer credit reports immediately. 

1. DEPT OF ED/XXXX XXXX XXXXXXXX XXXX. XXXX Please removed these non-mailable addresses from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: TX

Complaint narrative:
I, XXXX XXXX, a federally protected consumer, am the author of this complaint. 

According to my rights under the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am now opting out of all authorization that I may have given the following companies listed below, whether it was written, unwritten, verbal or non-verbal pursuant to 15 USC 6802.

Pursuant to 15 USC 6802 I am officially exercising my right to opt out, effective immediately, and hereby instruct the companies listed below to stop reporting and to delete this account from all consumer credit reports immediately. 

1. DEPT OF ED/XXXX XXXX XXXXXXXX XXXX. XXXX Please removed these non-mailable addresses from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Amsher Collection Services, Inc.
State: IN

Complaint narrative:
AmSher Collection Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX Has fraudulently attempted to collect a debt without verification of the debt under the disguise of the XXXX XXXX XXXX XXXXXXXX XXXX Attorney at law. Amsher has placed a negative item on my credit report without ever sending me anything in regards to this matter. I have confirmed that the XXXXXXXX XXXX XXXX XXXXXXXX XXXX is not licensed in the state of Indiana to practice law. I am demanding that Amsher remove the negative item from my credit report and send me proper documentation of the debt that they state I owe. 

On XXXX XXXX I first had a phone call from XXXX XXXX XXXX at XXXX. 
On XXXX XXXX Amsher added a negative item on my credit report. 
On XX/XX/2024 I received a debt validation letter from XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
I have never received a debt validation letter from Amsher and have no idea who this company is. 

There has been numerous complaints on both of these companys through your agency. 


.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: TX

Complaint narrative:
I, XXXX XXXX, a federally protected consumer, am the author of this complaint. 

According to my rights under the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am now opting out of all authorization that I may have given the following companies listed below, whether it was written, unwritten, verbal or non-verbal pursuant to 15 USC 6802.

Pursuant to 15 USC 6802 I am officially exercising my right to opt out, effective immediately, and hereby instruct the companies listed below to stop reporting and to delete this account from all consumer credit reports immediately. 

1. DEPT OF ED/XXXX XXXX XXXXXXXX XXXX. XXXX Please removed these non-mailable addresses from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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