vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: NV

Complaint narrative:
XX/XX/XXXX U.S. Bank failed to honor its letter acknowledging a stop payment on a check, via bill-pay, dated XX/XX/XXXX. They honored the check for {$2100.00} anyway on XX/XX/XXXX. 

Background : I retired at the end of last year and, as a result, filed to modify the spousal support orders issued in XXXX. The court date was set for XX/XX/XXXX, so I held back payment for XXXX until we learned of the amount change. However, at one point my ex-wifes attorney ask for a postponement due to his scheduled XXXX, so in good faith I sent the check to cover XXXX. Shortly after the attorneys XXXX was canceled and we were back on for XXXX, so I notified the US Bank requesting a stop payment. I received a written acknowledgement of the stop payment action on XXXX. 

My ex-wife presented the check knowing full well that the payment was invalidated by court order since we executed a buyout for $ XXXX and no more support was due effective XXXX. This is stipulated in the orders! She was wrong, but the bank honored the check and deducted the amount from my checking account resulting in an overdraft situation. 

After 2 calls they have been of no help... telling me I have to take it up with her!! I have been with this bank for many years, but I feel I can no longer trust them!! If the funds are not returned to me either voluntarily from her or by bank action, I will take both to small claims court.

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 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
Equifax Dispute requested on XXXX/XXXX/2021. Dispute was not completed until XXXX/XXXX/2021, past the 45 day limit according to Consumer Credit guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
Pennymac is my mortgage service provider who continues to mis-allocate my payments. 
Every month I make extra payment over required amount and I have asked Pennymac to apply the extra payment for " Principal Reduction '' Yet Pennymac continues to apply it to next payment and then put remaining into " Interest Free '' Reserve ( similar to escrow called suspense acct ).

I have called Pennymac every month for last three month asking to ensure that my extra payments are allocated to princpal reduction but company continues to ignore my requests and continues to put extra payments into pseudo escrow account and continues to charge me excess interest on my outstanding principal. This is clearly meant for them to collect more interest income while stopping consumer from pre-paying their mortgage.

What is astonishing is that Pennymac 's partial payment policy states that excess payment will be allocated as per consumer request. This policy is printed at the bottom of second page of the attached statement. Yet they aren't following it despite repeated requests

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian keeps allowing XXXX XXXX to report a cable account with a address and account that I have never lived or had they have allowed them to remove and repeatedly put back on my credit report which drops my score 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 explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
About a week ago, I was contacted by someone on a social media app, XXXX, about an XXXX opportunity including cryptocurrency. And coin exchange. I downloaded the app which was in XXXX XXXXXXXX XXXX, called crypto.com. And that led to another app called XXXX XXXX XXXX. The app seemed legitimate and there were many reviews. I hid any private information during the exchange but eventually realized the app was a scam as well. 
We had multiple exchanges on the app, text XXXX ( XXXX ) XXXX, XXXX With the person XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  with XXXX XXXX  XXXX XXXX XXXX. 
I was convinced to send money thinking that the app was real and that there was no connection between the 2. The amount totals in {$50000.00}. 
When I realized what had happened, I tried to gain my money back but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: SC

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ARS ACCOUNT RESOLUTION for committing identity theft. I have never given ARS ACCOUNT RESOLUTION any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have never received any documentation requesting validation from ARS ACCOUNT RESOLUTION before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ARS ACCOUNT RESOLUTION can not provide me with proof such as a certified mail tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, then this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity ( including reporting of ; or verifying of this account on my credit reports. ), of this and any alleged debts until ARS ACCOUNT RESOLUTION can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ARS ACCOUNT RESOLUTION continues its collection efforts, I will file for litigation for actual damages caused and ARS ACCOUNT RESOLUTION will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Please attach copies of : Any agreement between you, myself and your client that grants you the authority to collect on this alleged debt ( trilateral contract ), or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

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 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc.
State: NC

Complaint narrative:
XXXX keeps allowing IC System to report a cable account with a address and account that I have never lived or had they have allowed them to remove and repeatedly put back on my credit report which drops my score 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 explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/22 there was a new capitol one account opened in my name. I only have one card ND it's a capital one quicksilver card. I really want this looked Into please as this is not me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: IL

Complaint narrative:
My Covid 19 foreberance was scheduled to end XX/XX/XXXX. I contacted BSI financial to let them know to extend on XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and was only sent to a voicemail each time. I started my forbearance on XX/XX/XXXX and my 360 days would not be until XX/XX/XXXX. I just received a notice of default and intent to accelerate.I have not been offered any loan modification and have been charged late fees. The company is unresponsive and they are not acting in good faith and my loan is secured by USDA. I am asking for your help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc.
State: IL

Complaint narrative:
Bsi Financial has reported my account as late and no data when the law requires them to report my account as current. They refuse to update the credit report for me and say they are not obligated too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Hello and good day. I'M writing this complaint because I have been disputing the Inaccuracy of each of the accounts that i will list and the bureaus ( XXXX, transunion, and XXXX ) seems to not care about following the rules of the FCRA. 
I have multiple accounts that are over the statute of limitations and are still reporting as well as an an account that couldn't be truly verified when after i sent in 6 months of letters showing the violations that are on my report. 
This is causing my life damages and Im getting tired of dealing with these folk to no avail. My next step is to begin speaking to a consumer rights attorney because this is nonsense. 

XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX This account has 3 different dates last active so obviously its Inaccurate and now in total violation because they still haven't deleted it. 

XXXX. XXXX XXXX XXXX XXXX reporting a past due on a collection. I read this is A violation of thr FCRA. 

XXXX. XXXX XXXX TransUnion and XXXX are reporting 2 different dates last active and this account is way past the ststute of limitations. Why is this still reoprting? 

XXXX. XXXX XXXX XXXX XXXX All three bureaus are reporting different dates last active, the statute of limitations is up and its been reaged plus theres activity being reported after the account was charged off. Like really? Its like they're intentionally trying to cause me damages XXXX. XXXX XXXX XXXX XXXX again all 3 bureaus are reporting 3 different dates last active, the statute of limitations has past but they are reaging the account and XXXX is reporting activity after this account was Closed.

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 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX ( XXXX ), XXXXXXXX XXXX XXXXXXXX ( XXXX ), XXXX XXXXXXXX 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 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights.

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

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 2022-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: IL

Complaint narrative:
LJ ROSS ASSOCIATES XXXX XXXX XXXX XXXX XXXX Michigan XXXX Back in XXXX of XXXX, the above collection agency threatened to place a collection on my credit report if I didn't pay XXXX left from an original debt of XXXX from XXXX. I thought the debt was paid in full with the security deposit put down on the XXXX account 5yrs prior. When the rep from LJ Ross informed me that there was still a balance, I was annoyed for getting a call for such a petty amount but paid the debt immediately. LJ Ross still placed a collection on my XXXX credit report a week later, reporting the debt after it was paid. I called to inquire why and it was noted in my account that the female representative didn't like my tone during our phone conversation. Not to mention they reported an erroneous amount/date for the original debt. I disputed the dates and amounts with XXXX. XXXX updated my report with the correct amount, date and paid in full but didn't remove. I've been fighting for 6 years. Please investigate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
New Additional information : I have sent Navy Federal Credit Union a debt validation letter on XXXX {$1300.00}. I have yet to receive and any information pertaining to this alleged debt. It is past 45 days according to the FCRA, FCDPA. And they have violated my consumer rights. I will be seeking remedy. Since they did not respond to my debt validation letter. I followed up with a cease and desist letter. An account continues to report charge off on a closed account since XX/XX/2018. Which is also a violation of my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
Our mortgage company has failed to pay our county, XXXX, and school taxes again. This is the second year in a row this has happened even though we have the money in our escrow account. Last year they repeatedly told us they would handle it but did not do so until we had a complaint with CFPB. We are now getting a letter stating there is a late fee and that a lien will be placed if the taxes are not handled right away. This needs to be taken care of immediately and we should not be responsible for any late fees.

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 2022-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
Under federal rules, a lender can collect enough escrow funds to cover your annual bills, plus two monthly payments, plus {$50.00}.

My total disbursements were {$6600.00} the total in my escrow was {$11000.00} that is 69 % higher then needed.

Average payment is {$510.00} x 12 = {$6100.00} Plus tow additional payments {$510.00} x 2 = {$1000.00} Plus {$50.00} Total should be {$7200.00} They are exceeding the allowed Federal amount by 55 % or {$4000.00} Even in the attached scan I submitted they state the lowest monthly escrow balance should not exceed {$1000.00} but the actual lowest I ever got was {$1000.00} I called my escrow company and explained the situation, they said there is no one I could discuss with it directly but they would file a report and if approved the would reduce the next escrow payment and if I did not see a reduction then my request is rejected and I would receive no call back or notice.

I received waited two statements and not only did they not reduce the amount they increase it again.

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 2022-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
Person claimed to have sent me funds but I had to send a deposit since XXXX had my funds on hold. I sent 2 payment but never received any payments for the xbox series x I am selling

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX ACCOUNT XXXX ( XXXX ), XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX, XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX  ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Received letter dated XX/XX/22 from Truist Bank that our mortgage will no longer be automatically paid/withdrawn from our bank account. The date is the same day the mortgage was due to be paid. So the mortgage was not paid in XXXX as expected. Received no advance notice from Truist. Their merger has been a nightmare for customers of BB & T and SunTrust. Heard nothing but negative from people I know. 

I will be contacting Truist on Monday, but want to submit a formal complaint. Thank you.

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 2022-04-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XX/XX/2022 I received the attached notice from PHH MORTGAGE SERVICES regarding a supposed error the company made in adjusting my rate on an existing reverse mortgage I have with the company. The letter states that I was notified of a change in the rate on my XXXX Statement but the company in doing a review of my account they realized that the increase had NOT be applied back in XX/XX/2022 when it was supposed to have been done. They now state that they will retroactively apply the rate increase from XXXX balances. I find it odd that since I had filed a previous complaint with the company back in XXXX that they would just happen to be reviewing my account. But I am also wondering can the company make changes to my interest rate RETROACTIVELY and then adjust it on the current statement moving forward? I would also like a description of how they arrived at the new interest rate. 

I have attached the notice they sent me as further explanation of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Dear Victoria Secret, Subject : Furnish XXXX Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX, XXXX, XXXX. 

I am requesting that your company please forward me a copy of the XXXX that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 

Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above. 

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. 

Thanks in advance XXXX XXXX

Company response to consumer: Closed with non-monetary relief