vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: CT

Complaint narrative:
I purchased my home from total mortgage in XX/XX/XXXX. My loan was sold to Roundpoint mortgage at the start of my mortgage payments on XX/XX/XXXX. We never received any mail documentation about our mortgage until after XX/XX/XXXX. We had to reach out to total mortgage for them to tell us our mortgage had been sold and transferred to Roundpoint. Round point did not clearly review our loan and paid our taxes in XXXX when we had already set aside money in our prepaids that are closing attorney would send to the city to pay our property taxes. Now we have received an escrow analysis and an increase on our mortgage payment by close to {$300.00} per month. This is round points error and we are being held responsible to pay a monthly payment that we did not agree to nor that we should be paying. Roundpoint is working with the city or so they say XXXX can not adjust the payment to what it should be until they get their money back. This is an error on the mortgage companies behalf and the customer should not be held responsible. If I do not pay the increased amount I will receive late charges which will reflect on my account for being late on a mortgage payment. They are stealing from and scanning customers. So now I will pay the XXXX dollars towards my mortgage payment this month and wave goodbye to those funds because Ive been told they will not be refunded because that is the agreed-upon amount even though it was not agreed-upon. This company has dozens of horrible reviews by other customers leading to the same types of issues and they should be fully investigated and held responsible.

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 2022-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I returned an XXXX XXXX on XX/XX/2022 XXXXAPPLE CARD indicated that the item was not returned so the device was put into installment payments thus preventing me from being able to clear it to zero balance. Apple retail has not helped and became complicit and deactivated my Apple -ID for no apparent reason so I am stuck with a deceptive positive balance on the Apple Card... .I sent documents that item was returned but they refuse to clear the APPLE/CARD and take it out of installment payments-APPLE/CARD Had also reported a XXXX XXXX alert to the 3 credit bureaus lowering my credit score 30 points-though there is nothing owed on this card ... APPLE owes me XXXX Apple Retail and APPLE/CARD has not responded accordingly even though they sent emails -No calls have showed up my caller ID -Some calls came in but when answered they would hang up-Apple and Goldman Sachs has avoided my attempt to correct the transaction behavior they altered and modified! I have run out of options and my mental has deteriorated since this occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: ID

Complaint narrative:
Discover Card has duplicated and, in one case quadrupled, charges on my account. I have called four times over three and a half weeks to resolve the issue. Each time getting transferred and left on hold. Discover says they are aware of the problem and working to fix it. The last person that I spoke to said she would fix it right then. Its been over a week and has not been fixed. Im currently on hold with them for the fifth time about this same issue. The charges add up to hundreds of dollars that has put me over the credit limit which was reported to credit bureaus and affecting my great rating. They are charging interest on these charges. Charging me double and quadruple for a single purchase is theft. I have notified them and asked them to fix it multiple times for three and a half weeks. They continue to charge and are not fixing it. My autopay accounts are getting declined because of these duplicate charges running my balance over the credit limit. 
The charges range from XX/XX/XXXX through XX/XX/XXXX. There are 13 duplicate charges and one quadruple charge totaling hundreds of dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I was notified through XXXX XXXX about 3 credit inquiries that I did not submit nor request or approve. 

They are : XXXX XXXX, by XXXX on XX/XX/2022 XXXX XXXX of XXXX XXXX, by XXXX on XX/XX/2022 Onemain Financial, by XXXX on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
My servicer Select Portfolio Servicing is refusing to allow me to view the original note on my property in a timely manner. They offered me a trial modification that began XX/XX/XXXX and I am to make a payment on XX/XX/XXXX ( which I did ) and XXXX on XX/XX/XXXX and XX/XX/XXXX at which time I am to be given a permanent mod to sign. I have requested to be given the opportunity to visually inspect my original note to SPS loss mitigation division and to the SPS Ombudsman Division that I was told handled those request. Request was Made XX/XX/XXXX on the phone and by email. On the phone I was first told by XXXX in the Ombudsman division that they didn't have my original note and they'd have to make a " custodian '' request to have it found and brought to their office. I was told they should have it in a week. I called a week later and spoke to another employee, XXXX, in the Ombudsman division and I was then told it would take possibly more then 2 months for them to get the original note in their possession. I was verbally told by XXXX that they do not need to provide me the original note showing their investor owns the note in order to have me sign a modification or to proceed with foreclosure. I requested in writing that the trial modification be placed on a temporary hold until SPS can locate my original note and give me access to view it and confirm who owns my note. I do not believe a homeowner should be forced to make payments for a trial mod and sign a permanent mod to a servicer that refuses to provide access to the original note showing ownership of the note. I do not feel an undisclosed time of 2 months or more is considered " timely '' access. The servicer should have access to my original note and should be giving me access to visually inspect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FCRA XXXX  XXXX  INQUIRIES HAVE VIOLATED MY RIGHTS NUMBERS 1-12 15 USC 1681 SECTION 602A -I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604A - STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH WITHOUT WRITTEN INSTRUCTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
USAA credit card services changed my method of billing delivery at some time in late XXXX. For more that 30 years my wife and I have received ONLY PAPER statements for the following : Two credit cards, 2-3 automobile insurance premium, homeowners insurance, automobile loans, and checking account. At no time in those 30+ years have we ever requested or received an electronic billing statement. This specific credit card account often had no minimum payment due OR there was a XXXX balance. In early XX/XX/XXXX I received a notice from 3rd party Credit Reporting company that my XXXX score had dropped XXXX points ( XXXX to XXXX ). I immediately learned that USAA had reported a past due of {$41.00}. I immediately spoke with USAA and paid the full balance and filed a " dispute '' regarding this " past due ''. USAA immediately refunded their late fee, and initiated the investigation. On XX/XX/XXXX I spoke for nearly an hour with a USAA XXXX Member Advocacy representative. That advocate informed me that she had completed all research on the matter and specifically stated that " we have no idea how this happened ''. Furthermore, she stated that " I have done all of the research and there is no process/procedure/facility to determine how, who, when or why this change was made to my account ''. Ten ( 10 ) days later, another representative from the Advocacy group informed me that they were not going to correct the error on their delinquency report. And in complete contradiction to the earlier two conversations with Advocacy that SHE had figured out that I requested a change in billing delivery to electronic on XX/XX/XXXX. The representative was unable and frankly unwilling to provide any documentary evidence that I had made or requested any change. USAA could only assert that I was in my on-line account that day. Therefore, I must have made that keystroke change. This was an error that several USAA representatives had already affirmed in several discussions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Sent numerous notarized interventions to this creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have yet to respond to this erroneous account with any validation and/ or removal of late payments from XXXX which are not validated. Filling a XXXX  complaint against this creditor as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
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 2022-04-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
As a federal protected consumer I know you can not use an attorney against a federal protected consumer. I will be filling for default judgement and then you will be entering a class lawsuit for violations, stress and mental anguish and at least 1 % of the company pursuant to TILA 1640 or any other amount of damages pursuant to 1692K.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: NY

Complaint narrative:
As a federal protected consumer I know you can not use an attorney against a federal protected consumer. I will be filling for default judgement and then you will be entering a class lawsuit for violations, stress and mental anguish and at least 1 % of the company pursuant to TILA 1640 or any other amount of damages pursuant to 1692K.

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 2022-04-01 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
PLEASE SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I changed my insurance company back in XX/XX/XXXX to increase my coverage to make sure my house was properly covered after the recent increases in construction materials. My mortgage company took almost 3 months to pay the insurance company from my escrow account and when it did it submitted a duplicate payment which caused an escrow advance. During these 3 months my insurance company had to reverse a payment made by me out of pocket because according to the mortgage company the payment must be made by them from the escrow account. In XX/XX/XXXX I received a letter from the mortgage company requesting a payment of XXXX to cover the escrow shortage ( which was caused by their own mistake ) and the new projections for XXXX to avoid my mortgage payment to increase {$400.00} dollars by XX/XX/XXXX. Since XXXX I have been in contact with both the insurance and mortgage companies to resolve the issue they have caused and after more than XXXX XXXXhour calls they still haven't figured how to resolve the issue. According to both the insurance agent and one of the mortgage company 's home lending advisors the check was never disbursed since the insurance agent called the mortgage company and was asked to send the check back to them. Now the date has come in which I have to make additional XXXX payments to my mortgage company, and I do not have the money to cover that additional payment. I am a veteran that suffers of mood disorders and suicidal thoughts with a wife and XXXX kids, and I can not afford to lose my house. All this issue has caused me several illnesses, including not being able to sleep for more than a week, and been put in sleeping pills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-01 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: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has account XXXX # XXXX on my credit report with multiple violations of the Fair credit reporting act. I have sent several certified letters and this account has not been removed for the inaccuracies. 1 ) There is activity listed after Charged off date 2 ) The highest balance listed is 0 which is lower than the original balance of {$24000.00} and balance owed of {$11000.00} and the charged-off balance of {$11000.00}. 3 ) it is also showing status updated XX/XX/XXXX when I have done several disputes after XX/XX/XXXX so how could an investigation have been verified. 4 ) Also has on record until XX/XX/XXXX. 5 ) Has 180 day late payment history without prior XXXX or 120 day late payment history and 6 ) no notice of dispute

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 2022-04-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
SOMEONE USED MY ACCOUNT WITHOUT MY KNOWLEDGE AND APPROVAL. SOMEONE WENT INTO THE BANK AS ME AND TOOK MONEY FROM MY BANK ACCOUNT MULTIPLE TIMES DURING THE PANDEMIC WITH A MASK. I DID NOT APPROVE OF THESE TRANSACTIONS ; SOMEONE STOLE MY ACCOUNT INFORMATION AND TOOK ALOT OF MONEY FROM ME. I CONTACTED THE BANK AND SENT IN THE DOCUMENTS AND SIGNED THEM.

Company response to consumer: Closed with explanation