vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC
State: GA

Complaint narrative:
I wish to formally lodge a complaint against Best Egg concerning the handling of my personal loan. Over the span of six consecutive months, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have observed that none of the payments I made during this period were allocated towards reducing the principal balance of the loan ; instead, they were exclusively applied to cover the accruing interest. 

During this time frame, specifically on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I executed automated payments amounting to {$190.00} on my Best Egg personal loan. Regrettably, out of these payments totaling {$1100.00}, not a single dollar has been directed towards reducing the principal balance of the loan. 

In an attempt to address this issue, I contacted Best Egg on XXXX XXXX XXXX However, the representative from Best Egg attributed this problem to a " computer issue '' and refused to retroactively credit the payments towards my principal balance, as they should have been over the past six months. 

As of today, my loan 's principal balance remains at {$6500.00}, which is the same amount it has been since XXXX XXXX XXXX I initially obtained this loan in XXXX XXXX  for {$7000.00}, with a fixed interest rate of 20.51 %. I agreed to a payment schedule consisting of 59 consecutive monthly payments of {$190.00}, with one final payment covering the unpaid principal balance, interest, fees, and charges. 

To alleviate financial hardship, I had previously availed two 'Payment Holidays ' from XXXX XXXX XXXX XXXX XXXX XXXX XXXX totaling four months. During this period, it was agreed that the interest on my loan would continue to accumulate, and the loan term would be extended to provide temporary payment relief. However, it was not part of the terms to have {$1100.00} applied exclusively to interest and {$0.00} towards the principal balance for six consecutive months post 'Payment Holiday '. 

I sought the 'Payment Holiday ' due to financial challenges arising from my responsibility to care for my XXXX  mother and her medical expenses while still supporting my household. As of now, my loan balance comprises {$6500.00} of the remaining principal balance, {$2000.00} paid in interest, and {$830.00} contributed toward the original loan 's principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act, this credit reporting agency EQUIFAX INC. and the creditor XXXX XXXX has violated my rights, under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account with out my written instruction. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. XXXX XXXX Acct : XXXX Date : XX/XX/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd.
State: MD

Complaint narrative:
I received a collection for a debt I did not owe. I called the agency in XX/XX/2023. On XX/XX/2023. I called the agency to dispute the debt and was told I didn't need to do anything further they would note it on the file. I contacted the original creditor and received confirmation the collection was an error and they would take care of it with the agency. On XX/XX/XXXX the agency put the collection on my credit report. I called and they requested the information from the original creditor be sent via email- I sent it and requested receipt confirmation which I have no received and they are not answering their phone or responding to me. This never should have been put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Mortgage — FHA 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: Shellpoint Partners, LLC
State: IN

Complaint narrative:
Shellpoint Mortgage Company- we had issues keeping up with the payments early in the year. Contacted the mortgage company for assistance. They advised us to complete a form online and submit documents on their portal. We completed the necessary forms, then were told we should have sent the information to an email address. They assign you a point of contact and that person is never available via phone, if you send an email they say they never received it. When you call the 1-800 number you receive different answers from everyone. Going through a stressful situation, you want reassurance your mortgage company is working with you to resolve. They send a dozen threatening letters in the mail during the entire process. We received several documents for our partial claim that had different information that required notarized signatures. We completed all of them and called to confirm that our first payment due was XX/XX/XXXX, we were told yes this is accurate. Now they are saying it was due XX/XX/XXXX and we have defaulted on our mortgage. Absolute worst company ever, not sure how they are able to keep running this business. Horrible customer service!!!!!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: SD

Complaint narrative:
Chrysler Capital refused to provide title once vehicle was paid in full. They said South Dakota has electronic titles only but did not provide instructions on how to access.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: CA

Complaint narrative:
My identity was stolen and fraudulent accounts were opened. Per credit reporting laws I demand these fraudulent accounts be deleted from my credit reports immediately. TY

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 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
Since early XXXX, my US HSBC account and credit card account have been in review status. 
The customer service told me that 3-5 working days can solve this problem, but it has been a month now and my account is still unable to be used normally. The customer service did not tell me what caused this, but only kept me waiting, which seriously affected my capital turnover because I am a XXXX and only have this US account for investment and fund transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE AN ACCOUNT THAT DO NOT BELONG TO ME, IT IS LISTED BELOW WITH DETAILS : XXXX XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX  BALANCE XXXX. I ALSO NOTICE SEVERAL INQUIRES THAT DO NOT BELONG TO THEY ARE LISTED BELOW : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. PLEASE REMOVE THEM. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Movement Mortgage LLC
State: UT

Complaint narrative:
This company starts the process over every 30 days if they believe you do not have all required documentation to them, even when you are actively working on providing them documentation or if youve already provided it to them and they may have missed placed it and you have to provide it again then they will restart your application. Today I called the bank to check on the status of the application because they reviewed documents on XXXX  that I submitted on XXXX XXXX The response I I received from the first representative was that they sent me an updated letter in my email and mail requesting more documentation. However, I did not receive an email or anything in the mail. And the representative said if I didnt provide everything by the XXXX they were closing out my case again. The next representative I spoke to said they never sent me a letter and they needed everything by the XXXX or they were closing out my case again. So if I havent been harassing them they wouldve closed out my case again because they never notified me that they review the documents and told me what they needed. Its completely unprofessional to behave in this manner. Further, they are asking for documentation that does not exist. My spouse is XXXX XXXX in the military, and they are asking for documentation from the military that does not exist. Also, they are asking for dates on a fraud wire agreement to be added that make absolutely no sense at all. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they want me to have everyone date this agreement when its already dated with their electronic signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL INQUIRES THAT DO NOT BELONG TO ME, THEY ARE LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. CAN YOU PLEASE REMOVE THEM OFF MY CREDIT REPORT. 




In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-10-13 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: IN

Complaint narrative:
MOHELA sent me a bill dated XX/XX/XXXX that my first student loan repayment was due by XX/XX/XXXX. I paid this on XX/XX/XXXX, though it was well known that student loan payments were not to resume until XX/XX/XXXX. 

On XX/XX/XXXX, MOHELA acknowledged this error and gave instructions to " request that we refund it back to you or apply it toward your XXXX bill. The quickest way to submit your request is to log in and submit a Secure Message on mohela.com. '' On XX/XX/XXXX, I submitted a secure message to MOHELA to apply my XXXX payment towards my XXXX bill. MOHELA 's website says it will take 3-5 business days to receive a response. 

As of XX/XX/XXXX, I have not received a response. My XXXX payment has not been applied to my XXXX bill. I have received overdue notices and threats that my account may be transferred to a debt collector.

When I try calling, the wait time is regularly 30+ minutes. I request a call back and do not receive one. In fact, I have never, ever been able to speak to a human being at MOHELA about my account since it was transferred to MOHELA in XXXX.

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 2023-10-13 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: MO

Complaint narrative:
XXXX XXXX continues to keep XXXX XXXX XXXX accounts on report. this is there reason : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the detail. 
Was a 1099c sent, if it was a charge off/ if they sold it to who? and when? why is this is not listed somewhere? 

Requested they provide the information used to certify the accuracy of the report. 
As XXXX has removed XXXX XXXX, I have personally called XXXX XXXX they stated they transferred the account to XXXX in XXXX then how were there XX/XX/XXXX late payments in XXXX? I called XXXX they have no record of me on any account, I called XXXXXXXX XXXX my name is listed as a reference only. please remove.

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 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I received a letter from American Express dated XX/XX/XXXX  stating, " We wanted to let you know that after a recent review, the credit limit on your account has been reduced to {$1600.00}. The cash advance limit is {$200.00}. '' My credit limit prior to this was {$6000.00}. 
Their reasoning : " We made this decision for the following reason ( s ) : Your XXXX Score ( see below ) * Based on your credit report, you have too many requests for credit '' The reason for the credit request is because I recently did a cash out refinance on my home and had to do some renovations that included new flooring, a new HVAC system, a new water heater, and painting. For these renovations to be done the companies had to finance the work until the cash out funds were available to be used. So, my credit naturally would decrease due to refinancing and open accounts for the renovations to happen. However, most of the accounts have now been paid off and some that have significant payments being made to pay them off soon. I was confident my credit would be restored quickly. 

My complaint is that I have never had an issue with Amex or any of my other creditors at all and for Amex to stalk my credit and simply drop my limit is unfair to say the least. I have never been late, never surpassed my limit, and always stayed within 10 % -30 % of my limit to stay in good standing. I have been an excellent consumer and would have at least like to have been contacted about maybe the reason for the new open accounts. 
Due to American Express dropping my limit they have made my credit score drop even further on top of the temporary drop due to the new accounts. What would have been a temporary drop in credit has now been made even worse by American Express. My score decreased by XXXX points or more. I have proof of this from my credit monitoring platform. 

I tried working this out with Amex first. I first did a chat on XX/XX/XXXX  with American Express and was told the same thing as the letter they sent me and then they tried to do a limit increase request which if course was denied. Then I called on XX/XX/XXXX  to speak to a manager and the solution was to send in my bank statements to appeal. That solution was unacceptable! They did not ask for statements when I opened the account and they did not ask for statements when they dropped the limit. I was then told that they have no authority to override the decision. 
All of this feels like an egregious violation of privacy and consumer discrimination for baseless reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX 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 non-monetary relief
Consumer complaint received 2023-10-13 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: SC

Complaint narrative:
I recently looked at my credit report with Experian and couldnt believe what I saw, I was in complete shock! I found a collections account with an incorrect address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have reached out to the company to provide me with original contract and the lady said they can not provide it. 
Please delete this collections account from my credit report as the address linked to the account is not my address and it is inaccurate. Thank you very much

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: GA

Complaint narrative:
My wife and I went through a bankruptcy a little over two years ago around XXXX of 2021 and our vehicles loans were reaffirmed during the process. Our credit reports state that the loans were discharged but they were not. They were reaffirmed and we are still making payments on time every month. As of today neither of our vehicles have been reported with correct balances or that any payments have been made and it is impacting our credit when we are trying to rebuild. It would be very beneficial to us if the balances and payments were corrected dating back to the original dates since we have continued to make payments on the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Ive informed credit reporting agencies that I have a new address with a copy of my drivers license. Ive demanded deletions of all old addresses because I have no correspondence nor access to theses addresses and it is unfair to me the consumer for these agencies to violate my right to privacy.

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 2023-10-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I got a XXXX XXXX 13 months ago at U.S. Auto Sales XXXX XXXX XXXX XXXX in XXXX South Carolina. The agreement was XXXX biweekly, for 18 months. I was also told there was a program implemented in my car to shut it off if I do not make a payment. I was looking to trade it in for something else before I finished the XXXX mark because every time I shut my car off it doesnt start and I have to get a jump. So I went to the XXXX dealership on Wednesday XX/XX/XXXX to get an appraisal just to see what they would be able to do. I was then told they found an illegal gps tracker on my car disguised as a sticker in my door. Then they tell me my profile doesnt not say the agreement, it shows they are only taking out a total of {$150.00} of my monthly total for 72 months. So the gentleman told me he would still try to figure something out but the value of my car wasnt even a XXXX. He said to come back the next day. While I was at work I did some research and found out U.S auto sales has a federal lawsuit for multiple reasons, one being illegal gps trackers on their vehicles, two being kill switch starts on their vehicle ( which is why mine wont start ), three for illegal repossession, and four being tripling payments. I was advised to put in a claim and get legal advise.

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 2023-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Bank committed security fraud, by accepting XXXX XXXX credit card, and making multiple trust acts with XXXX, XXXX, and other corporations that Capital One created agencies with through advertisement, which caused Capital One Banks breach of fiduciary duty, in malice. SEC Rule 10 b-5 Capital One Bank malfeasance in public office during XXXX XXXX consumer transaction proved willful non-compliance. 15 U.S. code 1681 b, 3-603, UCC-3 104

Company response to consumer: Closed with explanation