vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
I was 3 months late making the payment when I went to make the payment I seen it went from may balance XXXX to over XXXX dollars, I hadn't used the card since XXXX for XXXX so I called and asked for them to explain it she said it was from return check fees which I shouldn't of had because I called and got it off when I was having problems with my XXXX account not putting my direct debit through because my card was off and I couldn't change it myself cause of my phone being broke, so she went back and credit my account for the return check fees and late fees back from may however there is still over XXXX dollars of unexplained fees she said at first it was credit protection which is only XXXX dollars and something a month none of the statements show why there is still over XXXX, I would like to know how that's even possible it only brought my bill down to XXXX, something isn't right with this, and they can't give me a good explanation that fits why there is still over XXXX in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MS

Complaint narrative:
on XX/XX/XXXX, new rez paid XXXX XXXX for a policy that is not mine. the policy was not in my name and the insurance coverage was inadequate to cover my loan amount. 
XX/XX/XXXXXXXX XXXX XXXX  notified me that this was my final notice before cancellation. 
i contacted new rez, inquiring about the payment. i learned they paid the wrong company. 
XX/XX/XXXX, new rez sent a payment to XXXX XXXX. 

of course, both insurance payments put my escrow account in the negative. i called for the XXXX  policy to be returned to my escrow account. this issue has not been resolved. 

on 4 occasions, a representative said that the error can not be corrected until XXXX refunds the payment. my problem with this is i have no control over the error that was made or when/if XXXX will return the payment. the XXXX payment needs to be credited back to my account. as of XX/XX/XXXX, the payment has not been credited and the representative says they have submitted a payment retrieval to XXXX. at this point, the payment retrieval is between new rez and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: KS

Complaint narrative:
My identity was used with the following accounts and companies without my knowledge Inquiries include ; 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 2024-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
My husband and I refinanced our home with Rocket Mortgage and closed in XXXX. We chose to escrow, so Rocket Mortgage is required to make our home owners insurance and property tax payments. 
Yesterday we received a cancellation notice and refund check from our home owners insurance stating they have cancelled our policy for non payment. Apparently, our policy was cancelled XX/XX/year> for non payment. We haven't had home owners insurance for 2 months. That made us check the tax assessor, and our taxes aren't being paid either. This puts us in default of our loan agreement, and Rocket Mortgage in breach of contract. 
We pay them every month, so where is our money going if the insurance and taxes aren't being paid? 
We tried to contact Rocket Mortgage directly, but they said they can't help us because on their end they have us paid through next year. We checked our account, and it shows we are current with everything ... ... which PROVES WITHOUT A DOUBT that they are falsifying our records and not paying what they're claiming they are. This is illegal. 
We have consulted a lawyer and Rocket Mortgage is 100 % in breach of contract and in violation of MULTIPLE lender laws in the state of NJ for what they are are doing to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX homeowners assistance program from XXXX bank to get in forbearer program for 6 months. people in hardship program said I am qualify but have to be ask 3 months first. I got for 3 month and on XXXX they send the XXXX and partial claim loan to pay at the back of the loan or after 30 years. On XXXX I called to ask other 3 months and yes they said ok for extension forbearer and people said you will be get other partial claim loan when the end for sure. this time today I got letter, that no partial claim list XXXX your mortgage loan by making the missed payments in full to bring your loan current, or XXXX to a loan modification, which will restructure the terms of your original mortgage agreement provided you qualify, or XXXX to a written repayment plan for making the missed payments that will bring your loan current over a specified period of time provided you qualify. 
If you are not able to take XXXX of the XXXX actions above ( loan reinstatement, loan modification or repayment plan ) by XX/XX/year> ( your forbearance termination date ), we XXXX continue collection and/or foreclosure proceedings. I donot want it I want partial claim because I can not paid more than the my monthly payment. I didnot want forbearer go more then 6 months if I signed XXXX of XXXX. I will lose my house or hard to living in my own home. and my problem is I lost my leg and I am XXXX person on last year, and I can not work. I need help to due with my bank mortagate that XXXX greedy, trick and lier.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
The previous complaint about the same company resulted in a response from them. Their submitted documents ( my insurance policies ) clearly show that windstorm coverage was excluded. Their response indicated windstorm insurance was NOT excluded, but you can clearly see that it was. This is Their XXXX  that they want me to pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Dispute of Incorrect Balance on Credit Report Dear TransUnion, I am writing to formally dispute an error on my credit report, which I obtained from your agency. My XXXX XXXX XXXX account balances are wrong and need to be updated correctly as well as my credit score. My Current Balance is $ XXXX, Available Balance is {$200.00}. 

I believe this discrepancy is due to lack of proper investigation. 

I'm attaching a Screenshot for proof of documentation. 

I kindly request that you investigate this matter and correct my credit report accordingly. Please inform me of the outcome of your investigation results through email. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2024-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Paypal Credit ( Synchrony Bank ) charged a {$30.00} late fee for a payment that cleared my bank on the due date. I contacted PayPal credit and the automated system refunded the late fee. This tells me that they are aware that the late fees are unreasonable to begin with. It stated that the payments should be in 7 days before the due date. If that is the case, shouldn't the due date be stated as being 7 days earlier than what is on the statement.

I find this to be very dishonest. As long as a payment arrives before the due date, there should be no late charge at all. The refund issued is find but that was only because I contacted them. If a payment needs to be made sooner, that is what the due date should reflect.

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 monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: WV

Complaint narrative:
Penn Credit Corporation sent us letters requesting payment on debt we never incurred or owed. They claim we lived at the address : XXXX XXXX XXXX, XXXX, XXXX XXXX. They claim we received utility service from XXXX XXXX XXXX XXXX with account XXXX. We have never lived at this address. We have lived at our current address for over 10 years. We do not even live in the state of PA currently. I called them and told them this is not our debt.

They did not believe me. They told me I had to go to the Sherrif 's office and file a document saying this is not my debt before they would stop their collections. I did not do this, I do not have time. I have requested proof of this debt in a written letter, but they have not replied yet. ( I just mailed the letter. ). I am not sure how to get them to stop their collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had a Checking account with Fifth Third bank and was told that I would not be allowed to access my Mobile app account because a Income tax refund check I deposited from the State of Ohio they said was bogus. I provided a 1040 copy of my Income tax return and a copy of my 1099 form to the bank as requested by the bank as well as a copy of the Tax refund check I got from the State of Ohio. 
A week later I attempted to check my account balance at an ATM and found that my Checking account had been closed by the bank without any notice to me. When I spoke with a Fifth Third bank official, and they checked with their Fraud people I was then told my account had been closed because someone had tried to access my Checking Account from overseas and the account was closed at that time with no notification. I have been lied to by Fifth Third and due to no prior notification of account closer I have been charged late fees on my mortgage and had to setup a new Second chance Checking account that penalizes me due to the damage that took place to my credit rating

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: FL

Complaint narrative:
I just recently looked at my credit report and noticed it had fraudulent accounts, please investigate them and remove them.

Account Name : XXXX XXXX XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report.

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

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 2024-08-24 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: FL

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

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

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

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 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-08-24 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: FL

Complaint narrative:
I

just recently looked at my credit report and noticed it had fraudulent accounts, please investigate them and remove them. Account Name : XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report.

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

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 2024-08-24 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: TX

Complaint narrative:
There are recent inquiries I do not recognize. Please delete them 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 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
My identity was used with the following accounts and companies without my knowledge Inquiries include ; 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 {$8300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$600.00}. XX/XX/XXXX XXXX XXXX XXXX {$590.00}. XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00}. XX/XX/XXXX XXXX XXXX {$280.00}. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
My identity was used with the following accounts and companies without my knowledge Inquiries include ; 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 XXXXXX/XX/XXXX Accounts include ; XXXX XXXX {$8300.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX {$600.00}. XX/XX/XXXX XXXX XXXX XXXX {$590.00}. XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00}. XX/XX/XXXX XXXX XXXX {$280.00}. XX/XX/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 2024-08-24 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: FL

Complaint narrative:
This letter is a formal demand for Equifax to immediately block and remove fraudulent and inaccurate information from my consumer credit report. Pursuant to FCRA 605B ( 15 USC 1681c-2 ), you are legally required to take action within four ( 4 ) business days of receiving this complaint. 

The fraudulent accounts that must be removed include : 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 These accounts were not opened, authorized, or initiated by me. They are the direct result of identity theft and fraud, and their continued presence on my credit report is causing significant harm and damages. I have attached a list of these fraudulent accounts as well as a copy of my consumer XXXX credit report, which clearly shows these inaccuracies. 

Furthermore, I have attached a copy of my FTC Identity Theft Complaint ( No. XXXX ) as undeniable proof that these accounts are fraudulent. These accounts have been **removed and deleted** by other credit reporting agencies, yet Equifax continues XXXX inaccurately report them, causing ongoing harm to my credit standing. 

Your failure to properly validate the information provided by these companies is a blatant violation of the Fair Credit Reporting Act ( FCRA ), and I demand that all of these fraudulent accounts be REMOVED from my consumer credit report **IMMEDIATELY**. 

You are hereby instructed to DELETE these accounts without further delay and provide me with a corrected consumer credit report. Should you fail to comply, I will not hesitate to take legal action against Equifax under 15 USC 1681 ( e ) ( b ) and 15 USC 1681 ( i ) for the harm and injury caused by your negligence. 

This is your final notice. I expect full compliance with my demands and prompt resolution of this matter. Any further delay will result in immediate legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: FL

Complaint narrative:
I just recently looked at my credit report and noticed it had fraudulent accounts, please investigate them and remove them. 

Account Name : XX/XX/XXXX XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

Company response to consumer: Closed with non-monetary relief