vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
Hello, My issue is with Roundpoint mortgage Co. I recently received an escrow analysis which indicated that we had a escrow shortage. the shortage amount was {$2800.00}. the paperwork provided provided us with options to either pay the total shortage amount or not pay and have my mortgage increase from {$2000.00} to {$2400.00}. I reviewed the FAQ 's to determine what the best financial decision we can make since the shortage amount was large. I as told that the FAQ is subject to interpretation. Unacceptable. Are their answers are not clear. the account information provided indicated only the XXXX options with a breakdown of what the payment was and what the payment would be if we did not pay the shortage. 
We decided to pay the shortage in full with the understanding based on the paperwork that payment would not change. 
I called to ensure that my payment was received and I received communication that my mortgage payment increased to {$2200.00}. NO WHERE on any of the documentation did it specify the breakdown of this mortgage payment. I called in early XXXX and spoke to XXXX and her supervisor XXXX and they tried to explain the increase in mortgage payment but could not show me where it is broken down for us on the documentation. 
I informed them that their company practices was deceptive in providing us with inaccurate payment information and that they prevented us in discussing what the better option financially would be for us. Why would we have used our savings to make a large payment if the mortgage payment would increase by {$200.00}. Makes no sense. I have been a homeowner for over XXXX  years and had other mortgager lenders and escrow shortages. Other mortgage lenders paperwork is quite clear. Any assistance would be appreciated. 
Thank you 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 2023-05-31 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: EQUIFAX, INC.
State: LA

Complaint narrative:
See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after XXXX written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the XXXX XXXX Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: FL

Complaint narrative:
I am filing this complaint to Experian for allowing these fraudulent activities on my file. These accounts just suddenly appeared on my credit file. I have no knowledge of these accounts and never heard of the original creditors. I did not receive a dunning letter nor any attempt to contact me which is required by law to do. This is so stressful and I need your help in resolving these. In the meantime, It is an urgent matter. Could you kindly block these fraudulent accounts under the Fair Credit Reporting Act section 605B

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 2023-05-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
This company advised me that I am not enough of a United States citizen to lend to. I am currently living in the continental states and because I have a Puerto Rico drivers license I was denied the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I've been disputing this collection account that appears on my credit report but the bureaus keep saying the account has been verified but never have sent me anything to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've been disputing this collection account that appears on my credit report but the bureaus keep saying the account has been verified but never have sent me anything to prove it.

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 2023-05-31 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: OR

Complaint narrative:
Issue : Mohela has inaccurate employment dates for XXXX of my employers. Mohela has the employment dates of XXXX for XXXX XXXX XXXX XXXX My most recent XXXX application for this employer indicates my employment dates are XXXX. This form was sent to Mohela on XX/XX/XXXX. Mohela also has inaccurate employment dates for XXXX XXXX XXXX and XXXX XXXX XXXX. My most recent XXXX application for this employer has the employment dates of XXXX but Mohela only has the employment certified from XXXX. This application was sent to Mohela on XX/XX/XXXX. I have attached copies of the applications that were submitted.

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 2023-05-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There is personal information on my credit report that does not belong. According to the fair credit reporting act 15 U.S.C. 1681 I have the right to privacy. Also according to 15 U.S.C. 6802. No financial institution is supposed share my information with third party people. 

These are clear violations of my federally protected consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: GA

Complaint narrative:
There is personal information on my credit report that does not belong. According to the fair credit reporting act 15 U.S.C. 1681 I have the right to privacy. Also according to 15 U.S.C. 6802. No financial institution is supposed share my information with third party people. 

These are clear violations of my federally protected consumer 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 2023-05-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX keeps putting a collection on my credit report. I have a letter from them dated XX/XX/2021 stating that they will remove item from credit report AND it will NOT be re-reported to the credit reporting agencies by XXXX XXXX XXXX XXXX. Since I have received the letter the fraudulent debt has be sold to countless agencies that report the same fraudulent debt. It is not mine, does not belong to me and I want it removed from my report and made to NEVER resurface again. Enough is Enough. I have attached the letter from 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 2023-05-31 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: AZ

Complaint narrative:
after multiple letters sent to the company i have yet to get any reponse. We are currently at past 60 days and have yet to investigate my request. The information on my credit isnt correct and is causing much emotional distress for I'am being ignored. my original letter was sent on XX/XX/XXXX of 2023.

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 2023-05-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Conduent Incorporated
State: GA

Complaint narrative:
I can be reached on my cell phone number, XXXX, at my email address, XXXX or mailing address, XXXX XXXX XXXX, XXXX, GA XXXX. 

On or around XX/XX/XXXX, funds from Georgia Department of Labor Unemployment were deposited onto the XXXX card regarding my unemployment owed to me since Covid pandemic in XXXX. The funds were loaded to the XXXX card, issued by Comerica Bank. Beginning on Thursday, XX/XX/XXXX, I have made at least 10 attempts to speak to customer service and there is no number for customer service. It states to contact customer service by calling XXXX or by mail at XXXX XXXX XXXX or visit XXXX. The telephone number and the website are not helpful when needing to speak to a person or to pay a bill. The option to pay a bill is not operable. 
No. 1 I can not reach a person at XXXX, the only number listed to contact the company who has your funds. I could only contact someone at the Collect telephone number XXXX. This is the only number that allows you to talk to a person. It is printed in very small writing on the back of the card. 
No. 2 -- The XXXX XXXX only has the XXXX  instructions on the website. 
No. 3I can not use the card to make XXXX XXXX. When trying to pay a bill, there is a message that states : Attention XXXX XXXX Users! XXXX XXXX XXXXs temporarily unavailable as we transition to a new provider. Check back soon for our new solution. It has been almost a week and there is no new solution.

No. 4 I was finally able to locate a Collect telephone number on the back of the card in very small print. I was informed by XXXX at Comerica ( XXXX Collect ) that the funds can not be transferred or wired to my personal bank account. So, I will only be able to get {$500.00} per day by using the XXXX XXXX, incurring fees. 
This unfair and misleading banking has made it difficult for consumers, like me, to make transactions that are desperately needed to access the funds. If the State of Georgias Labor Department had not banned my original bank, XXXX XXXX, I would have access to my funds and would have no problem transferring the funds to my local bank, XXXX XXXX XXXXk XXXX Their actions have caused my XXXX to become more frequent because I have a closing within a couple of days!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I request that you eliminate the erroneous late payment from my 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 2023-05-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: NE

Complaint narrative:
I received a buyout from Ally Financial ( Ally ) for my lease of a XXXX XXXX XXXX. This buyout quote was for {$31000.00} and was XXXX through XX/XX/XXXX. The check was placed in the mail on XX/XX/XXXX with tracking services through XXXX. The check was awaiting pickup at the post office on Sunday XX/XX/XXXX at XXXX. Ally did not pick it up this day, presumably because it was a Sunday and therefore not a business day per Reg CC ( ex. XXXX XXXX XXXX holidays ). 
Ally assert that they received the check on Monday XX/XX/XXXX. When I realized the check did not arrive until XXXX day later I chatted with them through their online portal to confirm this would be okay. On XX/XX/XXXX XXXX XXXX from Ally informed me that there would not be a late fee until XXXX days after the due date of XX/XX/XXXX. 
After posting the payment to my account and showing a XXXX balance ( paid off ) they have now added {$240.00} to the amount owed. There is no way I could've know about this fee or how to avoid it since they did not inform me of it when I reached out and it is not in my contract. I assert that this fee is Unfair and Abusive due to the excessive amount and the fact that it was not disclosed. 
They are calling it a settlement fee and I have asked them to help me understand what this is and how they have the right to charge {$240.00} for a check being received on the first business day after the calendar day that it was due.

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 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
A capitol one credit card was opened under my name. I have not had an active capitol one card since around 2017. When logging in to assess the situation two phone numbers were being utilized that were not mine and that I did not recognize at all. As far as I know capitol one closed the credit card that was fraudulently opened but suggested I report it here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: OH

Complaint narrative:
I was using my discover card and all of a said they decided to restrict my usage and zeroed my card out and closed my account. I had my card stolen and they did nothing to help me out. They want me to pay the balance and I can't use the card. They also lied to me about the interest rate and some other things on the card. I believe that I should not have to pay them as they falsely advertised certain deals on the card. I would like to not have to pay them with all of the intersts that is owed. I just disputed fraudulant charges on my account and discoer did not help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was a XXXX XXXX  customer who over this last weekend had their account shifted over to US Bank due to the merger. When I finally set up my US Bank portal, I noticed money missing from my account. After researching, I discovered at least 5, possibly more, duplicate pending charges. Contacted the US Bank customer service and was told that they were aware of the issue, but it's " not their fault '' and it's going to be resolved by the end of the business day. The customer service insisted that the five completely different charges by five different companies were doubled during the transition due to an error on the five different companies end. They said that there was nothing US Bank could do as it wasn't their fault, but somehow it would be resolved by end of business day today. If it's not US Bank 's fault, how can US Bank claim that it will be fixed by the end of the day? I don't appreciate being lied to and currently have a bank account that is overdrawn because of this problem. Waiting until the end of the business day is not an acceptable solution when I have bills to pay!

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 2023-05-31 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: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in obtaining a 1099 statement for the tax year 2022. While reviewing my financial records, I discovered that there is an account with LOBEL FINANCIAL CORP that has been charged off, and I need the corresponding 1099 statement to accurately report the taxable income. Based on my understanding, a charged-off account signifies that the bank has deemed the debt as uncollectible. However, as the account holder, I still need to report the charged-off amount as taxable income in accordance with the Internal Revenue Service ( IRS ) regulations. Therefore, I kindly request that you provide me with a 1099 statement for the charged-off account, detailing the necessary information to properly report the taxable income. This statement should include the charged-off amount, any applicable interest, and other relevant details as required for tax reporting purposes. I understand that obtaining the 1099 statement for a charged-off account may involve a different process or require specific documentation. If there are any forms, declarations, or procedures that I need to complete to facilitate this request, please provide me with the necessary instructions or guidance. I am more than willing to provide any additional information or documentation that may be required to expedite this process. As the tax filing deadline is approaching, I kindly request your prompt attention to this matter. Ensuring accurate tax reporting is essential to me, and I greatly appreciate your cooperation in providing the necessary documentation in a timely manner. If you require any further information or have any questions regarding this request, please do not hesitate to contact me at your earliest convenience. I am available to provide any additional details or clarification that may be necessary. Thank you for your understanding and prompt attention to this matter. I value the services provided by LOBEL FINANCIAL CORP and look forward to resolving this issue so that I can fulfill my tax obligations accurately. Sincerely, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect 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 explanation