vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
In XX/XX/2020, I informed Freedom Mortgage ( Freedom ) of an Annual Fee that should be included/paid out of my Escrow Account. This is an approximately {$750.00} annual fee for the water/sewage pipe that connects to the county pipeline. Failure to pay this fee subjects the property to liens. Section 3 of the Deed in XXXX governs the Funds for Escrow Items. This section clearly reflects : a sum ( the Funds_ to provide for payment of amounts due for ( a ) tax and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the property, ( b ) leasehold payments or ground rents on the Property, if any ; ( c ) premiums for any and all insurance required by Lender under Section 5 ; and ( d ) Mortgage Insurance premiums to be paid by XXXX XXXX XXXX XXXX or the monthly charge by the Secretary instead of the monthly Mortgage Insurance Premiums. These items are called Escrow Items. This expressed language in the Deed of Trust clearly includes this annual fee. 

XXXX consistently fails to include this annual fee in my escrow analysis and to timely pay this annual fee claiming it is a utility bill or ground rent. I consistently explained to XXXX this is not a utility bill, tax bill, or ground rent because water and sewage is paid to XXXX monthly and taxes are paid semi-annually to XXXX XXXX XXXX. After going back and forth with XXXX, it eventually paid the fee after it had accrued late fees as well as collection fees. Freedom employees have claimed that they will note my account to have the escrow analysis updated to include this fee. However, the recent analysis fails to reflect this adjustment just like the previous years! I also requested XXXX employees send me the written determinations concerning this issue. To date, I have not received any written communication why XXXX refuses to timely make these payments or to include them in the escrow analysis. I believe that XXXX is engaged in negligent servicing of my loan that is in violation of 12 CFR 1024.17 ( c ) ( 4 ) that has caused damages, including a consistently deficient escrow account and increased fees due to collection fees, late fees, and interest. 

It is important to note that XXXX makes it difficult for borrowers to address these issues by ending its customer service email account and directing borrowers to fax in documents for their accounts. Furthermore, XXXX fails to respond to any requests to provide documentation of its alleged determinations that this fee should not be paid out of the escrow account. This is my last attempt to address this matter before I have to legal action against XXXX for negligent servicing.

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 2023-11-01 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: GA

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  Account XXXX Account Name : DPT EDXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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 XXXXXXXX Account XXXX Account Name : DPT EDXXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: OR

Complaint narrative:
I've called and emailed mulitple times to Nelnet with no resolution. I can not log into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: CA

Complaint narrative:
Account debt paid in full with all legal a lawful documentation included to credit bureaus. Not updated on credit report. Now in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: CA

Complaint narrative:
Account debt paid in full with all legal a lawful documentation included to credit bureaus. Not updated on credit report. Now in litigation.

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
Account debt paid in full with all legal a lawful documentation included to credit bureaus. Not updated on credit report. Now in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
I am a victim of identity theft.. I am a victim of the XXXX XXXX breach i have submitted documents to show some of the damages I am currently facing and there's more so I request 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.

2. Provide me with written confirmation of the results of your investigation.

3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.

4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX. 
5. Provide me with an updated copy of my credit report once the corrections have been made.

6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. 

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: AZ

Complaint narrative:
I spoke to Meridian financial services 3 times on the phone in XXXX and XXXX ( attached one screen shot from XX/XX/XXXX call ) and explained that they were contacting the wrong XXXX XXXX. I also sent them a letter on XX/XX/XXXX explaining they had the wrong person. They sent me a letter on XX/XX/XXXX, with the attached deed on some timeshare in Florida, which indicates a XXXX XXXX XXXX was on the deed, not XXXX XXXX XXXX. They obviously didn't read the deed since their letter was continuing to harass and try to collect debt from me. They never explained how they verify identity, or asked me to verify my identify ( i.e., last 4 of SSN, driver 's license, etc. ).

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-01 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-01 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: Nelnet, Inc.
State: KY

Complaint narrative:
Nelnet bought my student loans during the pandemic. Without my permission, they created an account without any contact information attached to it. I can not access this account to submit an IDR application. I can not see if there are any errors in how they are calculating my payment. I have called numerous times without ever getting to speak to anyone. I sent an email on the company website that included up to date contact information and asked for access to the account they created without my permission or ability to access it. The email was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I disputed a charge on my Capitol One Quicksilver Visa by a streaming company ( XXXX ) because their service stopped working. Initially they removed the charge. Later I received a letter from Capitol One informing me that they reinstated the charge. The letter stated they received notification from the vendor that the goods were received as described and in good condition. 

The supporting evidence provided by XXXX states that " we continue to move forward on a resolution. We have been working in good faith with our vendor... .we do not have a timeline '' for resolution. 

In a later second communication they state " we are so sorry the service interruption has continued ''. 

This outage went on for weeks and despite what they say the service wasn't received as described. 

XXXX also provided sign in logs. You are able to sign into the site, but once logged in you can not access any programing. The sign in logs are meaningless. 

Despite this Capitol One Quicksilver Visa sided with the merchant. 

I decided to close the account because to continue to dispute the charge I would have to spend too much time jumping through Capitol Ones hoops. All they have to do is read the information that the vendor provided to realize that they haven't delivered the service as provided. When I tried to close the Capitol One account I was told I couldn't because the dispute was still open. When I tried to close the dispute they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclays Bank submitted delinquency information related to my account. There were unique circumstances that led to the failure to pay the balance for two months, which has had a significant impact on my and my husband 's credit scores, and consequently, our family 's financial situation. 

Lack of Bank Statements : I did not receive bank statements for my Barclays Bank credit card account, which made it difficult for me to monitor my account 's status. The absence of this crucial information left me unaware of the pending balance. 

Physical Credit Card Absence : I did not, and do not, have the physical credit card, which further hindered my ability to track and manage my account. Without the card, I was unable to readily access information or make payments. 

Payment at XXXX XXXX : There was an instance when I made a payment at a XXXX XXXX by showing my driver 's license as identification. Unfortunately, I was not informed or provided with proper documentation to follow up with the charge, which eventually resulted in an unpaid balance. 

Good Track Record : Prior to this incident, my credit history with Barclays Bank had been consistently good. The balance of {$200.00} was relatively minor, and it was an isolated and unintentional oversight. 

XXXX 's Unjustly Affected XXXX XXXX : My husband is not the primary account holder, and he was entirely unfamiliar with the account in question. However, the adverse credit reporting has significantly and unfairly impacted his XXXX XXXX. This negative effect has caused serious consequences, particularly in relation to our mortgage and our ability to purchase the house we intended. 

I understand the importance of maintaining good financial standing and honoring my financial commitments. I also recognize that the adverse reporting was a result of unintended and unique circumstances that I was not in a position to adequately monitor or address. 

There were exceptional circumstances and the impact on our family 's financial situation for a minor hiccup has been disproportionate

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 Subject : Formal Complaint Against Resurgent Capital Services L.P./LVNV Funding LLC Dear Sir/Madam, I am writing to file a formal complaint against Resurgent Capital Services L.P. XXXX XX/XX/2023, I submitted a complaint against LVNV Funding LLC, citing their deceptive collection practices and violations of my rights under FDCPA and FCRA. In my initial complaint, I highlighted that XXXX XXXX XXXX, acting on behalf of LVNV Funding LLC, had contacted me last year regarding an alleged debt, which I promptly disputed to no avail. Despite LVNV Funding 's failure to substantiate their right to collect the alleged debt by failing to provide proof of the account transfer, they continued to report the collection on my credit, a clear breach of both the FDCPA and the FCRA. 

On XX/XX/2023, Resurgent Capital Services L.P. responded to my complaints through the Consumer Financial Protection Bureau with a standardized letter, asserting the following : " With its purchase of the Account, the Current Owner ( LVNV Funding LLC ) acquired all ownership rights, including the rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is being reported to the credit bureaus on behalf of the Current Owner. '' Regrettably, the CFPB closed my complaints without permitting me to respond, thereby denying me the opportunity to request critical information from the respondent, which would have led to a favorable resolution for me. Therefore, in line with their response, specifically paragraph number 4, I hereby request that Resurgent Capital Services L.P. promptly furnish evidence of LVNV Funding LLC 's purchase of the account, demonstrating their claimed rights, in the form of a transfer document and a bill of sale for the account, including my name and the account number. This request is essential, as anyone could assert ownership without providing substantiating evidence. In the absence of proof of LVNV Funding LLC 's ownership of the account, the collection must be expeditiously removed from my credit reports. For your reference, I am attaching their response letter. 

Thank you for your attention to this matter. 

All rights reserved. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: NY

Complaint narrative:
I have been an Amex customer for 29 years. I received an Amex bill for my account ending XXXX for {$1300.00}, minimum pay due {$40.00} on XX/XX/XXXX. I called the telephone payment and paid the full amount of the bill which posted XX/XX/XXXX. I got a bill the next month for {$38.00}. Apparently, I was charged interest on the entire charge of {$1300.00} PLUS a late fee of {$29.00}. The first time a payment was late. I spoke to two supervisors, XXXX overseas employee # XXXX and XXXX in the US employee # XXXX. Both tried and were unable to waive the fee or the interest because they said the computer wouldn't allow them to. XXXX refused to transfer me to her boss or Corporate and refused to give me the name of the person in charge of retail credit cards and only gave me the corporate address at AMex XXXX XXXX  at XXXX XXXX XXXX in XXXX. She had no floor number, room number or person to address a complaint to. These fees are ridiculous. I am being billed almost the amount of the minimum due on my previous bill which was paid in full. I have a XXXX balance except for a {$38.00} because instead of posting a payment as of midnight on XX/XX/XXXX, it was paid a few hours later at lunch time on the XXXX. There is no discretion, no customer loyalty and this is a disgusting and blatant money grab by AMEX taking advantage of customers who barely miss a deadline. They need to be sued and forced to impose a discretionary period and should not be allowed to charge a late fee on a balance that was paid in full, even if considered a few hours late.

Company response to consumer: Closed with explanation