vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
My mortgage was purchased in XX/XX/XXXX. In XX/XX/XXXX I received notice that my mortgage was increasing by 17 % due to lack of sufficient funds in my Escrow account. However, I have been paying the mortgage since I purchase my XXXX in XXXX to the present with no problems. I was told that the increase of {$230.00} per month was due to an increase in insurance and property taxes. I checked and learned that my insurance increased by {$140.00} for the entire year and my property taxes increased by {$7.00} for the entire year. Therefore, I do not see a reason to pay an additional {$230.00} per month. 

Since there is no law requiring that a VA loan have an Escrow account ( even though they tried to tell me it was required ), I asked XXXX to bill me for the property insurance from now on. I also went online and paid the first installment of the property taxes. I sent confirmation of payment of my property taxes to the mortgage company, but they went ahead and made an additional payment of the property taxes. Before that happened, I had pulled together enough money to pay off the negative amount of my Escrow account. I then told them that I do not want my property taxes or insurance in Escrow, but by paying the second part of the property taxes, they put my Escrow account back in the negative. It appeared that they would not release me from Escrow. I have since learned that my Escrow is now in the black to the tune of {$440.00}. Everything is now paid, therefore, they should release me from Escrow and recalculate my mortgage payment to reflect only the loan amount at the 3.25 % interest rate. 

Finally, I had just broken my leg at the beginning of XXXX, and so I did loose track of the mortgage payment for one month. When I talked to them, they were definitely not easy to deal with and told me that the only way they could help me was if I would refinance ''. Refinancing would take my interest rate from 3.25 % to approximately 8.5 %. This increase in interest would not decrease my payments and does not make sense when I am unable to work for only 3 months, until the first or second week of XXXX. I can not believe they do not keep better records, and especially that they would treat a veteran like this.

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 2023-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: TX

Complaint narrative:
The mortgage company who I currently pay was recently hacked. I learned about my mortgage company being hacked through the news, and not by the mortgage company. The mortgage company has yet to inform me about the cyber hack to this day. When I tried making my payment online, I was unable to. The page is currently down. When I tried calling, I was unable to reach a customer service agent. I contacted via phone during their hours of operation. No matter what options I choose, I could not speak to a representative of the mortgage company. I cant make my mortgage payment and fear that it will impact my credit score and worse, my home can be repossessed. This is no fault of my own but of the mortgage company which is solely responsible for the cyber hack. With as much money as mortgage companies, make, they have to do the best job of keeping my information secure. This has made me very angry and I wish I could have paid my house off sooner so I dont have to deal with grimy mortgage companies like the one that has my house on XXXX XXXX which is Loancare. More like loandoesntcare.

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 2023-11-30 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
To : Trustee and CFO of CREDIT ACCEPTANCE CORPORATION XXXX XXXX XXXX XXXX XXXX - complaint is that there is a Breach of Trust and unauthorized use of the name XXXX XXXX XXXX, as you do not have legal nor lawful consent to use the NAME without having received signed Social Security Administration form SSA-89 which constitutes identity theft. You are also securitizing the note that was created by the NAME without FULL DISCLOSURE and sharing the goods generated by the use of the NAME. Do not make Merchandise of your XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

YOU HAVE STOLEN THE NAME AND USED IT IN A WAY THAT BENEFITS YOU and NOT THE BENEFICAIRY WE MAKE AN EQUITABLE CLAIM IN THE NAME AND ANY ASSETS ATTACHED TO THE NAME ADMINISTERED BY CREDIT ACCEPTANCE CORPORATION

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 2023-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
Sent the following letter to the collection agency on XX/XX/XXXX - Notification received shows " As of XX/XX/XXXX, you owe {$630.00} with interest of {$47.00}. '' I responded, " I want to dispute this debt because I think this is not my debt. '' XX/XX/XXXX - Notification received states in receipt of your inquiry in which I requested validation of the debt, an itemized statement is attached. It includes the name the facility that provided the service, the amount charged and an itemization of the charges. This statement did NOT provide validation it's my debt. As I responded on XX/XX/XXXX, the document shows, " XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX in XXXX, AZ '' ; which I have never been to that facility. The document shows a total amount of {$630.00} and I already stated repeatedly I have no medical bills for that amount nor do I recognize it. The document shows an itemization of the charges stating, " Emergency department visit for the evaluation and management of a patient. '' which does not provide any clarification what this bill/debt is actually for. 

This is NOT my debt and now they filed a nagative report on my credit and made up the amount so it could be reported. I have NO medical debt and haven't been to any doctors or emergency rooms in years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Mortgage — VA 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: LAKEVIEW LOAN SERVICING, LLC
State: AR

Complaint narrative:
Back in XXXX of XXXX my wife and I got XXXX XXXX XXXX XXXX XXXX. We were out of work for a long time. We got a XXXX forbearance. Then after that, in XXXX of XXXX we received a VA XXXX modification. It brought our 5.25 % interest rate up to a 6 %, it extended the life of our loan, it tacked on the amount that was accumulated from the XXXX forbearance to the back end of our loan, and it brought our monthly payment of {$1700.00} to {$1400.00}. We signed the contract and XXXX XXXX XXXX confirmed they received it and there was nothing else for us to do. We got transferred to Lakeview LoanCare in XX/XX/XXXX and now they are saying XXXX XXXX never signed the contract and we are being referred to foreclosure. Weve paid {$1400.00} every month on time since XXXX. Every time ive called XXXX, they say they need time to process the paperwork and that im protected and wont go into foreclosure. We have XXXX XXXX children, we cant afford to be homeless. XXXX has confirmed multiple times that theyve received the VA Loan Modification paperwork and that they escalated the claim but nothing ever comes out of it. Then XXXX said XXXX XXXX never signed the VA Loan Modification. Which isnt my fault. We followed up and did everything to ensure it was all okay. I call every month multiple times and I get the same answer. Then I got something in the mail that stated if we didnt pay {$950.00} more on top of our normal payment within 10 days, our house would go into foreclosure. I am so frustrated.

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 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Received a credit card in the mail from capital one that I did not apply for and there was a charge on it that was made in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
Affirm has added a extra month of payments to my already set payment plan contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: TX

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 name : XXXX XXXX  Account name : XXXX XXXX, Account name : XXXX 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 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 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 2023-12-01 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: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: TN

Complaint narrative:
I received a letter in XX/XX/XXXX from XXXX XXXX XXXX regarding a debt for Discover. The letter indicated I could set up arrangements online so I did for the amount I could afford. The online system only allowed 6 months of arrangements. Due to a death in the family on XX/XX/XXXX, I did not extend the arrangements passed XX/XX/XXXX because I had too much in my mind. When I realized this in XXXX, I called and spoke to a representative of XXXX who advised legal action had been filed because my payments had not been enough even though I never received anything from XXXX advising this. The agent offered arrangements and a settlement that I could not afford. I studied all my finances and determined I could not afford what they were asking but I did set up a new arrangement on line that allowed again 6 months of payments. There was not a month of lapse in the 2 arrangements, however, they are still pursuing legal action against me. They have never advised the minimum they need to avoid suing. I am attempting to pay the debt and they are happily taking the funds from my account. How can they allow arrangements to be made online for whatever amount you enter but still sue? Also, they have blocked me from accessing my account online to change the payment or extend it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was scammed by an online romance. I sent {$320000.00} in wire transfers to people in the United States which my romance scammer directed me to send the money to. I also sent {$86000.00} in cryptocurrency from XXXX XXXX and XXXX to him. I have filed an XXXX FBI Complaint already. Bank of America failed to investigate or ask me questions or counsel me about fraud and this was negligent on their part in not intervening. Bank of America has no clear cut information posted as to reporting fraud, no notification as to time limitation and no information that the funds can not be recovered under FDIC insurance.

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 2023-11-30 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: FL

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-11-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of a data breach from Bank of America on the morning of XX/XX/XXXX. A person with an identical spelling to my legal name called my cell phone to inform me that, after logging into her online banking using her own username and password, she could see all of my account information. In fact, her login information on BofA had my account and hers combined on her online banking page, even though we have different social security numbers and other personal details. She had access to my money and personal information, including my address and phone number. 

Initially, I was confused, so I asked her to text me proof, such as a screenshot. After she texted me her login page, I was shocked to see all XXXX of my accounts ' information exactly as she described. She not only could see all my XXXX accounts but also, on her information page, there were her email and phone numbers, as well as my and my husband 's information ( which is how she found out my phone number ). 

This irresponsible handling of my data by BOA has deeply concerned me. My business and personal accounts, as well as my home address, were all exposed to strangers without my knowledge. When I called BOA on XX/XX/XXXX and XX/XX/XXXX, they had no idea why this kind of system breach could happen and even asked me how long ago I thought it had occurred. The person from fraud department also mentioned that there are XXXX other complains about the same manner. 

BOA then froze my XXXX accounts, affecting my business since XX/XX/XXXX as customers were unable to transfer money. Yesterday, on XX/XX/XXXX, I spent 3 hours at a BOA branch to open new accounts for all XXXX of my BOA accounts. I had to ensure that payroll could proceed normally the next day ; otherwise, my employees would understandably be upset. Now I don't even have access to my online banking any more since they are all stopped to prevent future loss. As of now, I have spent more than 20 hours on this issue, which was not even my fault but a ridiculous breach from a renowned bank like BOA. This should not even be called fraud but 100 % BOA system errors.

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 2023-12-01 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
there are 2hard inquiries on my account from barclays bank delaware on XX/XX/2023 and XX/XX/2023 institution info barclays bank delaware XXXX XXXX XXXX XXXXXXXX delaware XXXX ( XXXX ) XXXX ive never been to delaware or even heard of this bank ive filed police report of this as well when tried to call no answer left plenty o messages stil no reply

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 2023-12-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found XXXX accounts that are not mine. I did not open these accounts. These are XXXX phone company accounts. XXXX which already went into collection. Please remove these accounts for me ASAP. Thank you so much for your help.

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