vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
About the late payment of XXXX XXXX XXXX. late payment of 30 days amount {$830.00} XXXX account number : XXXX Due to XXXX in the family I was not present in the country and doesn't have any device with me or internet and not autopay. It was first and last payment showing on my credit report. I never ever missed any payment in my history. I paid the late fees and second payment once I got call.

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 2024-08-14 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: PA

Complaint narrative:
I am writing to follow up on a dispute I previously raised concerning a negative item on my credit report. Despite multiple attempts to have this matter resolved, the item continues to be inaccurately reported across all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: PA

Complaint narrative:
I am writing to follow up on a dispute I previously raised concerning a negative item on my credit report. Despite multiple attempts to have this matter resolved, the item continues to be inaccurately reported across all three credit bureaus.

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 2024-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Global Lending Services LLC
State: CA

Complaint narrative:
I just got my drivers license XX/XX/year>. I got the car loan on XX/XX/year>, a couple days later after getting my license, this was my first car, I did not know anything about the interest rate and they did not explain it to me. They just told me that I had been approved for a {$570.00} a month payment based on my credit score and income. This past XXXX, I just noticed that I will have already paid for the value of the car, by this XXXX in payments total but none of my payments are going towards the car, the principal. All my payments are going towards the interest rate. I think this should be illegal. I was thinking that my interest rate was 10 % something normal, but it is 25.70 %. 

I did call them and ask them could my interest rate be lowered and they said they do not do that. Also, when I tried to refinance with another company, so that I can lower my interest rate, they said that I could not because Global Lending Services, had been reporting that I was late on payments, so it made my credit score lower. I would like for them to report all the times that my account was in good standing. I would like more of my payments to be applied to the principal and my interest rate to be lowered. With this type of loan, I will be paying for two of these cars, well XXXX XXXX. This is really unfair and this should be explained to the buyer at the loan signing process, so they understand and negotiate a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I mistakenly sent via XXXX a XXXX dollar rent payment to my previous landlord. When the landlord received the payment, not knowing why she got it, she went to her bank, B of A and they withdrew the funds from the land lords account. A few days later when I discovered the error, neither myself or my previous landlord could get any information from Bank of America on where or how to get my money back. I bank with XXXX and neither XXXX or XXXX have been any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
BMO has persistently recorded this fraudulent activity on my credit report. This has been an ongoing issue for over 2 years now. Before this unauthorized use of my card information by the transportation company, I encountered no problems. It is evident that this is a case of fraud, and legal action has been taken against the transportation company and all parties involved. Upon reviewing the payment history of this account, BMO will see that the issue arose when the transportation company gained access to my card details. I have submitted all necessary documentation over the years to demonstrate that I should not be held responsible for this fraudulent activity.

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 2024-08-14 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 filing this complaint because XXXX  XXXX continues to report a balance on an account that they have sold to XXXX XXXX XXXX, XXXX ( " XXXX, XXXX '' ). According to the Fair Credit Reporting Act ( FCRA ) and guidance from the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), when an account is sold, the original creditor is required to update the account to reflect a {$0.00} balance and indicate that it has been transferred. However, XXXX XXXX has failed to update this information, resulting in inaccurate and misleading reporting on my credit report. 

Despite my efforts to dispute this with both XXXX XXXX and Experian, the inaccurate information remains. Experian has failed to perform due diligence in ensuring the accuracy of the information they are reporting, which is a clear violation of the FCRAs accuracy requirements. This ongoing incorrect reporting is damaging my XXXX XXXX, and I am seeking the CFPBs intervention to correct this issue and hold the responsible parties accountable.

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 2024-08-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Torriere Holdings INC
State: VA

Complaint narrative:
I took out a loan with XXXX and was unable to continue making payments on the loan. As of XX/XX/year> the account was reported as closed with a balance of {$0.00}. Spire Recovery Solutions has been contacting me to collect this " debt '' but I have not signed or received any formal proof containing a wet signature that I owe this debt and would like it removed from my credit accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: Continental Finance Company, LLC
State: NY

Complaint narrative:
I filed a dispute for {$250.00} for a XXXX procedure, the dr left the company. I specially signed documents for that Dr only, the people then contacted me saying the Dr was no longer there so I asked that my {$250.00} be refunded because I did not want another Dr they would not refund my {$250.00}. So I contacted XXXX XXXXXXXX and filed a dispute I sent in all my messages showing they said the Dr was no longer there and the documents showing I signed for that Dr , surge never contacted me for additional documentation or anything they closed my dispute. I have been calling since XX/XX/XXXX to speak to a supervisor with surge everytime. I call they always say they cant get me over to one they have to call me back. Which is 24-48 hours I have been calling every week since XX/XX/XXXX it is now XX/XX/XXXX I have not spoken to a supervisor still. XXXX is the worst credit card company and I recommend them to no one. I have NEVER had a card where I cant speak to upper management and not one person call me back this is is a disgrace and a slap in the face as a card holder.

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 2024-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
A fee of {$20.00}, labeled as a " property inspection '' charge, was imposed by Newrez dba Shellpoint without any prior notice, explanation, or evidence of an inspection being conducted. Upon inquiring about the frequency of such inspections, a representative indicated that they could be conducted " anytime we deem it necessary. '' When asked whether it was hypothetically possible for them to deem it necessary and bill {$20.00} for 30 consecutive days, the representative confirmed that this was indeed possible. 

In response to a request for documentation authorizing such charges, the representative provided a note signed with the original mortgage company 18 years ago, which does not explicitly authorize these specific charges. Furthermore, during a previous mortgage payment made over the phone, no mention was made of this property inspection fee. This fee is not listed on the company 's website, and it can not be paid online, requiring payment via phone or check instead. 

The legality and fairness of such a fee, imposed without clear authorization and seemingly at the discretion of the company, are questionable. How can they impose a fee without clear contractual authorization and with no transparency in its application?

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 2024-08-14 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: NY

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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the accounts below : XXXX XXXX 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 explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UPGRADE, INC.
State: PA

Complaint narrative:
Towards the end of XX/XX/scrub> 2024, I logged into my account to review my total balance due so I could pay off my credit card. When I logged in, it provided my with the amount next to Total Current Balance due : {$5300.00}. I also verified this with the current statement that runs fromXX/XX/2024-XX/XX/2024and it showed that my current balance matched what I saw on my dashboard. I submitted an ACH payment on XXXX XXXX,2024 for the current balance due of {$5300.00}. The way an upgrade card works is the interest is pre-calculated. My payment shows that I paid the interest and principal. My assumption was that I was paying the total balance and paying this card off. I was checking on my credit report for the balance to be updated and noticed Upgrade had not updated my credit report since XXXX of 2024. On XX/XX/2024 I logged back into my upgrade account and saw that I now had a total balance due of XXXX. I called Upgrade to see what was going on and spoke to a manager and he informed me that Upgrade does not include the interest in the current balance due. I asked him how I would know based on my statement and dashboard what my total balance is and my interest is and he informed me that I had to call Upgrade to get that information. This seems absolutely like a scam that they provide you with a balance, you pay it off and then they add to the balance. If the interest is not included in the balance on your dashboard, why is it now showing on my dashboard? This is deceitful business practices and they should not be allowed to produce statements and mislead the consumers in this manner. I do not feel comfortable paying any more money to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: CA

Complaint narrative:
Consumer name : ( XXXX XXXX ) Consumer Social Security Number ( XXXX ), Consumer Date of Birth ( XX/XX/XXXX ). Contents of the complaint : This CFPB complaint has been filed to request that EXPERIAN, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ). This fraudulent, incorrect, and false information consists of a HARD INQUIRIES. HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These multiple bogus INQUIRIES on my consumer XXXX credit report. I have attached a list of the accounts in question, as well as a copy of your consumer XXXX credit report, which includes the aforementioned bogus entries. I do not identify the aforementioned INQUIRIES, that were reported. I did not open, make, or start the aforementioned INQUIRIES on my consumer credit report, which you keep. All of the INQUIRIES listed above are the result of identity theft and fraud. I've attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) from the US Federal Trade Commission to prove that all of the aforementioned INQUIRIES are the consequence of identity theft and 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 explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX of this year my bank card/checking account was hacked. I immediately called the bank to dispute fraudulent charges to which they did not let two transactions process but did let others post. I have been trying for a month to get them to credit me back the {$230.00} that the fraudster used my account to pay their XXXX broadband bill and SoFi will not give me any reason why they denied crediting my account. I have called and called and sent emails. I even emailed vyve to see if they could help me but they have not been able to because I dont have the account number of the persons account that was paid. I sent them transaction numbers but I have not heard from them besides me calling was he first they had heard of the fraud. The initially credit it and then turned right around and debit it without any reason. I objected to the denial and a few days later they emailed me that unless I have new information the claim was still denied. They know my account was hacked. I denied all fraudulent claims the same day it happened and I was told it would all be taken care of. I spoke to one of the other companies that my card was used fraudulently and the bank had not even reached out to them at all. I have never had my account hacked before. This is a first so its not like they have ever dealt with me on anything like this before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: MT

Complaint narrative:
On XX/XX/XXXX the plaintiff ( XXXX XXXX XXXX XXXX XXXX attempted to cancel the internet service provided by XXXX at the plaintiffs residence. The request was made via cell phone through the customer service number provided by XXXX. After being put on hold for over 30 minutes, the plaintiff decided to bring the equipment and cancel at the local XXXX office located at XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXX On XX/XX/XXXX the plaintiff returned the equipment consisting of a cable modem, power adapter, and Ethernet cable to the local XXXX office. The equipment was accepted and a receipt issued ( Attachment 1 ). At that time, the plaintiff informed the store manager that he was cancelling service effective immediately.

The plaintiff also cancelled the virtual credit card that had been used for charges from XXXX. The last charge from XXXX for {$79.00} was dated XX/XX/XXXX which was paid by credit card ( see Attachment 2 ). This is a prepaid amount for service from XX/XX/XXXX through XX/XX/XXXX. Since the account was cancelled prior to XX/XX/XXXX, no charges should have been made to the account. 
During the following months, there has been no written communication from XXXX to the plaintiff regarding any discrepancies. On XX/XX/XXXX the plaintiff received a notification ( Attachment 3 ) from CBE Group ( a debt collections agency ) stating that XXXX had reported to them that the plaintiff was in debt for {$79.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-08-14 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: MD

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
We closed on our home in XX/XX/XXXX with a monthly payment of {$1200.00} including escrow. As of XX/XX/XXXX our payment increased to {$1500.00} including escrow. Due to that increase I wanted to work on removing escrow so that I could manage my budget and not have continued increased due to shortage etc. 

XXXX. XX/XX/XXXX We spoke to a representative in order to get escrow removed they suggested we bring escrow account to current so we paid {$1200.00} for shortage on account. 
XXXX. XX/XX/XXXX We spoke to representative that stated now that shortage was cleared we needed to send check of {$190.00} to complete the appraisal payment to remove XXXX  then we could remove escrow. 
XXXX. XX/XX/XXXX Check had still not cleared XXXX. XX/XX/XXXX PHH requested we send a new check since they still hadnt received the original check XXXX XXXX. XX/XX/XXXX PHH cashed new certified check XXXX and appraisal was ordered XXXX. XX/XX/XXXX XXXX approved XXXX  removal XXXX. XX/XX/XXXX XXXX denied my escrow removal due to XXXX and TAXES being due in 30 days XXXX. XX/XX/XXXX I paid my taxes XXXX. XX/XX/XXXX I spoke to a XXXX XXXX @ PHH that stated we would submit proof to tax department of payments so we remove escrow. 
XXXX. XX/XX/XXXX PHH denied my escrow removal due to XXXX even though we had ordered and received a new appraisal through PHH that stated our property was at 50 % XXXX XXXX. XX/XX/XXXX I spoke to another escalation XXXX from PHH that stated they were submitting request to escrow department on why we could use new appraised value to remove escrow. 
XXXX. XX/XX/XXXX I spoke to another escalation XXXX that stated the PHH investor guidelines states in order to remove escrow they must use original appraised value.

I have followed every step that PHH has advised me to complete in order to remove escrow and I am still not allowed to. I have never made a late payment on my mortgage and know that an escrow account is not XXXX.

Company response to consumer: Closed with explanation