vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
On my Annual mortgage escrow statement XX/XX/XXXXXXXX  it was stated that my monthly payment will change starting XX/XX/XXXX. The new payment will be {$2500.00} the increase was in the amount of {$330.00} compared with the previous payment. A year before this company forced on my escrow home insurance and flood insurance without my consent, raising my monthly payments with couple of hundreds. I believe it was around {$350.00} I had home insurance and my building provided flood insurance. It was hard to get the credit back on my escrow and still my monthly payments were increased by {$120.00}. Thinking that is the same case this year I called and asked about the reason of increasing my monthly payments, they said they see flood insurance costs added in XXXX in the amount of {$3100.00} but they were credited back in XXXX. And that tax went up with {$1000.00} and home insurance went up with {$160.00}.. I requested mail escrow analysis in XXXX, never arrived. In XXXX I called again they said nobody requested the escrow analysis, but that the correction seem made and that they will send me the papers by mail. I got the papers by mail and I see the cost for the extra flood insurance but the credit didnt show. So I called today again in XX/XX/XXXX, and they said they will request a new escrow analysis because the one that they send me in XXXX is not updated and it doesnt reflect the credit back. But the date of the statement is from XX/XX/XXXX to XX/XX/XXXX. How come is not updated the information of the dates are after the update supposed to be done. They added {$3100.00} on my escrow account for a flood insurance coverage that I have already and they dont want to give my money back. They raised my monthly payments and made my payments more difficult to pay putting my condo at risk to lose it to the bank. They are stilling from me and when I call them they dont make notes on my requests, curent customer service representative could not see my previous call and the requests I made

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I recently reviewed my credit report and noticed these accounts that are not mine and are inaccurate. I haven't applied for any of these accounts, please remove and update my account. 

XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited two checks on Chase bank. One for XXXX and other one for XXXX. The checks got cleared but chase bank said they could not verify them. I gave them the phone number to contact the guy who gave me a check but they said they wont do it because the number is not in their system. They said the money would return back to the original bank that issued the checks but it still has not returned. And they closed my account also and I have yet to receive my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-14 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection/Charge Off 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: CA

Complaint narrative:
Multiple times called and emailed on the status of my IDR application after consolidating. The communication began before and continued after the SAVE plan injunction. One of the times I called I was put in a processing forbearance, I was told that it is good only for two months and that I would have to call back to request another processing forbearance. When the processing forbearance expired, I called back to ask for a status of my application. I was told it is still processing.So I asked to be put back on the processing forbearance but was told I do not qualify and was put on a general forbearance which is accruing interest.I should have been put on a processing forbearance automatically when I consolidated and applied for the SAVE plan back in XX/XX/year>. Now I have accrued close to {$1000.00} in interest. My loans were consolidated but my idr plan was never processed and I have met the 120 payments for PSLF forgiveness and know my loan does not qualify because my loans were put on a standard plan instead of processing my application to be in a qualifying payment plan. As you can see, there are so many issues by this company. False information and lack of accountability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CT

Complaint narrative:
I am requested from MOHELA a timely report of all my payment history on my student loans from XXXX XXXXXXXX XXXX XXXX. I am requesting that they honor this request by XX/XX/year> which was placed months ago with a Customer Service agent and again in writing uploaded to their website. Thank-you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-11-14 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: EQUIFAX, INC.
State: NV

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 Number : XXXX Account Name : XXXX  Account Number XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX and 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 explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
Earlier in the year I purchased airfare from XXXX XXXX. Now, as of yesterday XXXX has issued a refund for part of that airfare. This was paid for via PayPal Credit which has credit provided by Synchrony.

I have contacted Synchrony and tried to find out where my money is. They explained that it can take 3-5 days for it to post to my Synchrony account from PayPal Credit . I understand that timeframe so up to now we are good.

However, when the funds do show up in the Synchrony account I am told that any refund of those fund will happen via check. Why in the 21st century can I not get my money refunded in the EXACT same method as I provided it to the that company?!

While this might a 'normal ' thing I think that consumers deserve more. We are always expected to save these companies money by going paperless, and the like, but it seems that the companies are not reciprocating. This needs to stop and the consumer needs to be heard and made whole - so to speak.

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 2024-11-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: Bright Capital Inc
State: VA

Complaint narrative:
On XX/XX/2024 Bright Money took an unauthorized withdrawal from my bank that I had discontinued with them and switched to my other bank account which in turn overdrawn my bank. They withdrew {$39.00} and I had a {$30.00} overdraft. They stated they would get my refund back to me and on that same day. It is now XX/XX/2024 I still havent gotten a refund nor will they give me any information about it. I have also gave them every bit of information they need and in a timely fashion to issue the funds back, but they never submit this information into their system. I stated I would like to be compensated per day until this issue is fixed for my pain and suffering this has caused but they are refusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: AmeriHome Mortgage Company, LLC
State: KY

Complaint narrative:
In XX/XX/XXXX, we requested a forbearance on our VA mortgage loan through our lender, AmeriHome. This was due to my husband 's loss of employment in XX/XX/XXXX. We were granted the forbearance, which ran through XX/XX/XXXX. We were instructed in XXXX to call about starting the process for a loan modification, which we did. We were approved for the modification, and told that the missed mortgage payments would be added to the end of our loan, extending the repayment period. When we received our loan modification paperwork, our mortgage payment increased by {$700.00} per month. When asked about it, we were told this was due to the higher interest rate we incurred during the modification. We were not told ahead of time that our interest rate would change. We had no choice but to agree to the modification, as the only other options were foreclosure or repaying the full amount which was not an option for us. I have called several times stating that this increase in our mortgage payment is creating a financial hardship. We are not eligible for another loan modification and we are not eligible for an IRRL due to the decrease in our credit rating from the forbearance/missed mortgage payments. We are stuck in a mortgage that is costing us $ XXXX. We want to stay in our home, but want a lower interest rate on our mortgage to at least the rate we entered into at purchase ( monthly mortgage payment was {$3900.00} ). 

We feel like we have no options, and according to VA loan administration, we were misinformed by our lender about our options for the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 of 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 non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I disputed the alleged debt and requested debt validation and purchase agreement as multiple collection agencies have reached out to me about this same debt. They have failed to provide anything other than billing statements from the original creditor. Billing statements is not chair of assignments or the purchase agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: TN

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: PA

Complaint narrative:
I want PHEAA to provide the accounting/breakdown of how they determined the XXXX  / tuition reimbursement debt to come to {$4900.00} + 20 % tax, along with proof of their alleged repayment plan per CFPB complaint XXXX. 

I.e., I want to see the actual dollar amount on the total hours used to pay for tuition, and I want to see this fake repayment plan. 

I've experienced refusal & backlash by PHEAA when trying to get this information. 

( pheaa also goes by : pheaa pa higher education assistance agency pennsylvania higher education assistance agency, american education assistance agency aes, fedloan servicing fls ).

Company response to consumer: Closed with explanation