vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
On Saturday XXXX, I checked my account with OneMain Financial. I have been making on-time monthly payments since XXXX ( XXXX payments made so far ) and I wanted to see my progress on the loan. I discovered that I now owe more than what the company gave me ( {$6000.00} ), even after paying back almost {$1700.00} on the loan. 

Today ( XXXX ) I discovered that OneMain Financial was ordered on XX/XX/year>, to pay {$20.00} million for violations of Federal financial practices by CFPB. I signed my loan paperwork before this judgment was passed. 

When I called the company today, an unknown female was very unhelpful and rude. I explained to her that I've made several payments, yet my loan is now more. Her response was, " you have to factor in the interest ''. Her only solution was for me to, " make extra payments '', to reduce said loan amount. This was never explained to me at the time of signing for the loan. I feel that OneMain is still being deceptive in its handling of loans. 

If I had been aware of ( 1 ) OneMain Financial 's BBB rating ( now a C ) and ( 2 ) their recent judgment in XX/XX/year>, I never would have pursued a loan with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: MT

Complaint narrative:
Since filing a complaint with CFPB about XXXX XXXX XXXX, I have more information about the damage done to my insurance coverage by their neglecting to pay the homeowner 's insurance company- XXXX. When they failed to pay and the insurance coverage lapsed, XXXX refused to reinstate the coverage I had. It was good coverage at a reasonable price. I was forced to get emergency coverage from XXXX at a higher rate, a higher deductible and no coverage for the roof of my house. So, the damage done goes beyond the {$340.00}. Truist is trying to charge me for the lapse in coverage. 

I believe Truist should approach XXXX XXXX XXXX and persuade them to reinstate the coverage I had at the rate I was paying. I should be reimbursed for any funds Truist has taken from the escrow on my house. The mistakes made by Truist will be costing me for the next 28 years. I sent the paperwork with the previous complaint. 

If Truist can get XXXX to reinstate my insurance policy as it was originally issued, I would be deeply grateful. As a senior citizen, I can not afford to pay, and pay, and pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please see attached file.

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 2024-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: NEW YORK COMMUNITY BANCORP INC
State: PA

Complaint narrative:
I decided to close the escrow account. The Flagstar Bank sent me a letter stating that they would charge a non-negotiable one-time escrow waiver fee of {$720.00}.

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 2024-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Around XX/XX/2017 Midland Funding, LLC bought a debt account from XXXX XXXX XXXX and without proof, they decided to insert this same account on my credit report with the same account number as XXXX XXXX XXXX Without any real proof of verification or validation of this debt, XXXX, XXXX XXXX XXXX allowed Midland Funding, LLC to add this account to my consumer report. All XXXX Credit bureaus such as XXXX, XXXX XXXX XXXX keeps claiming they verified this account accurate, but never provided me with any documentation. I never had a contract with Midland Funding, LLC, so how can you insert this account on my credit report ( Sound like identity theft ).

I also requested a 1099- C misc and never received that from any party at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Propel, Inc.
State: FL

Complaint narrative:
XX/XX/year> - {$74.00} - {$64.00} - {$5.00} I immediately emailed the company & was told there was nothing the company could do about it nor reimburse my benefits even though my funds was stolen from their online website.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: SC

Complaint narrative:
To Whom It May Concern, Upon receiving a copy of my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

I do not have a contract and I did not share my personal information with XXXX XXXX XXXX trying to collect and report on my credit report. They did not provide me with the original contract as I requested. I am writing to inform you of my rights and obligations under 15 USC 6802 regarding the disclosure of my personal information. As a consumer, I have the following rights and responsibilities : 1. Right to Know : I have the right to know what personal information about me is being collected, used, and shared by financial institutions. 
2. Right to Opt-Out : I have the right to opt-out of the sharing of my personal information with non- affiliated third parties.

3. Obligation to Protect Information : I have the obligation to take reasonable steps to protect my personal information from unauthorized access and disclosure.

4. Right to Access : I have the right to access my personal information held by financial institutions and to correct any inaccuracies.

5. Right to Limit Sharing : I have the right to limit the sharing of my personal information for marketing purposes.

6. Obligation to Notify : I have the obligation to notify financial institutions if my personal information changes or if I believe it has been compromised.

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and rectify these items from my credit report. It is my understanding that you will verify this information with the relevant creditor. I kindly ask you to remove any information that the creditor is unable to verify. Please be advised that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Furthermore, I request an updated copy of my credit report to be sent to the aforementioned address, as the act dictates that there should be no charge for this updated report. 
Thank you for your attention and assistance in resolving this matter.

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 2024-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: AMERICAN PORTIFOLIO MORTGAGE
State: IL

Complaint narrative:
I would like to make a complaint against American Portfolio Mortgage for unlawfully creating a duplicate late charge after completing a payment. I have all email documentation that I have sent with no written responses from American Portfolion Mortgage. 

On XX/XX/XXXX, American Portfolio Mortgage was the active servicer who collected payment as well as a late charge and then a duplicate late charge. On XX/XX/XXXX I had made the payment in full of {$3400.00}, and confirmed verbally with customer service there would be a waiver of the late fee. This late fee was waived, and then another late fee was assessed as a duplicate late fee. 

After speaking with customer service again, they advised to send an email to waive a duplicate late fee. 
On XX/XX/XXXX I spoke with XXXX ( XXXX ), who had mentionedthere was a reversal of {$11.00} of the late fee but not the full amount, as stated by the other agent I spoke to in XXXX. The balance of the late fee of {$100.00}, is duplicative in error and a wrongful double charge of the late fee amount initially assessed. When I asked for clarification on what that represented, XXXX ( XXXX ) was unable to answer what this amount represented and said I will need to work with the new servicer ( XX/XX/XXXX ) for a late fee that American Portfolio Mortgage collected. 

Here 's the email sent on XX/XX/XXXX to affirm the duplicate late fee : I spoke to customer service, and they advised me to reach out to resolve the following issue. 

My bank missed an auto payment in XXXX, and I was unaware of the error until I received a letter from American Portfolio alerting me. Because of this, I was assessed a late fee of {$110.00}, which was waived during a customer service call on XX/XX/XXXX. During that call, I was advised to make a payment of {$3400.00} to settle the balance ( which I made the same day ), but before that payment was processed by American Portfolio, another late charge of {$110.00} was assessed. Because I made this payment in good faith after the customer service call, I am hoping it is possible to have duplicative fee this waived. Is this something you'd be able to assist with? Below is an accounting of my most recent payments for your reference. 

Details Posting Date Description Amount DEBIT XX/XX/XXXX Online Payment XXXX To AMERICAN PORTFOLIO MORTGAGE XXXX XX/XX/XXXX XXXX DEBIT XX/XX/XXXX Online Payment XXXX To AMERICAN PORTFOLIO MORTGAGE XXXX XX/XX/XXXX XXXX DEBIT XX/XX/XXXX Online Payment XXXX To AMERICAN PORTFOLIO MORTGAGE XXXX XX/XX/XXXX XXXX DEBIT XX/XX/XXXX Online Payment XXXX To AMERICAN PORTFOLIO MORTGAGE XXXX XX/XX/XXXX XXXX DEBIT XX/XX/XXXX Online Payment XXXX To AMERICAN PORTFOLIO MORTGAGE XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TFS FINANCIAL CORPORATION
State: MO

Complaint narrative:
I applied for a Heloc in XXXX XXXX XXXX. I signed Heloc approval documentation on XX/XX/XXXX. I contacted Third Federal on XX/XX/XXXX, when I had not received checks to pay off my creditors. At that time, I spoke with a young woman and she said that I should receive any day now. She put me on hold, spoke with another department and got back with me and told me that if there was any issue, someone would contact me, but at that time " Never '' said that they were going to put a stop payment on the checks. I received the checks the next day. Mailed XXXX  day USPS and after a week, payments had been posted. On the XXXX, I went back and checked to realize that the payments had reversed. I contacted Third Federal first thing Monday morning. Being placed on several holds, they verified that a stop payment had been placed on the checks- ( XXXX ) and that a new batch was ordered. I was never contacted or advised that this was going to take place. XXXX XXXX stated that they needed to do the research to figure out why. When I asked did they record phone calls, he said yes, in a manner in which, they would find out that the error was on me and not them.

I requested is that the funds be wired, in lieu of their error, but XXXX stated that was not an option due to the 'contract ' agreement, that the checks were the only option. He could not advise when I would receive the new batch of checks that was placed on the XXXX. They are sending out XXXX XXXX XXXX and no tracking system in place to confirm when customer is to receive those checks. I am being charged interest, not only from the creditors, possible check charges, for checks that had stop payments placed on them, but also charged interest from the heloc, and do not have access to those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Target Credit is intentionally trying to ruin my credit. Target Credit has reported derogatory, incorrect reporting on my credit file. I have had this credit card almost a decade and has always paid timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 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.

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 2024-03-25 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OK

Complaint narrative:
I sent a message to XXXX and told them that it was I'd theft never got a response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: OR

Complaint narrative:
I have called Equifax multiple times about Fraudulent Hard Inquiries. I've communicated with the companies in question ( XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) and they have no record of me applying for credit. The certified mail I sent was either returned or wasn't able to be sent because the company did not exist at said address/location published on my Equifax Consumer Report. Equifax refuses to remove information even though I've provided them with the necessary documentation they've asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
When I went to XXXX my mom {$20.00} dollars on the XXXX of XXXX it came up with this new stuff I knew it was different but lately Chase has been doing new stuff but my mother didn't get it so by 1 hour zi call Chase they said wait a couple of hours it a send back ( lie ) as usual so around XXXX that is now XXXX I sent my mom another {$20.00} she got that instantly so XXXX something I call Chase again they said give it a couple of days and U a get it back in ur account ( lying again ) nothing on Saturday I get an email saying they stop payment on the check so this morning Monday the XXXX I call Chase ( again 3rd time ) oh it's stop paying on the check you have to wait 5 to 7 days now on top of the the other times I been waiting mine you this happened on the XXXX they tell lies after lie at this darn Bank and I'm sick of it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: LA

Complaint narrative:
Hi, Ive be found to be a victim of identity theft/ fraud however I obtained a police report for the following issues. 
However I have a pending mortgage and Im unable to move forward with this issue on my report, I need this remover immediately Ive been in contact with jefferson capital on several occasions only to reach dead ends every time, it has been over a month and still Im just waiting. Please help me get this issue resolved. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 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.

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 2024-03-25 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IN

Complaint narrative:
Received notice on my credit report of a debt that was owed and opened in XX/XX/2023. I have not had cell service through XXXX  in over 20 years. I have tried to resolve the issue with Jefferson capitol and they won't even answer the phones. I need debt verification and proof of ownership. I believe this account to be identity fraud because I have use prepaid phone service for the last 7+ years

Company response to consumer: Closed with explanation