vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I have spoken to a representative on XXXX and a supervisor on XXXX. My mortgage is being raised XXXX which I don't understand since I have a surplus of XXXX in escrow. 
I asked if I can pay the increase to keep my payment the same. Mind you I'm paying an increase with a surplus in escrow. They told me no, that is not the way the ecrow department set it up. My mortgage was just sold to these people and in all other companies I had I was always given the opportunity to pay the shortage not to increase my monthly payment. This is the first company that my mortgage was raised and my escrow has a surplus. They don't want to hear it and keep telling me that, that is the way it is set up. I even asked her what is the sense to pay additional towards your escrow to avoid an increase when you don't acknowledge overages or surplus and raise the payment anyway because that is the way they have it set up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson capital has added collection debt to my credit report. Various disputes requesting documentation this debt is owned by Jefferson capital and that i am the debtor. 

No proof has been given, i have been ignored and the credit bureaus have not helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited a check for {$1200.00} on XX/XX/XXXX. Regions put a hold on the check. I waited until check has been cashed by Regions, then on XXXX requested removal of hold, was denied and I was advised to contact the branch. 

I spoke to the branch manager, who advised me that the reason for the hold is punishment for my previous overdraft transactions. I was not aware a bank can punish a customer by holding their funds for previous overdraft items. 

I advised manager that funds have already been withdrawn from payee 's account, therefore should be released to me. Manager told me they will see what they can do and get back with me, but the never did. 

Four days after deposit I still don't have my funds. They have been withdrawn from the payee on 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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX is the account. I had 1 card with them credit amount was {$300.00}. It went into default in XXXX for amount on my credit report of {$380.00}. They put that as a derogatory mark on my credit, which I understand that. But EVERY month since XX/XX/2023 they've been putting a derogatory mark on my credit and changing the amount to be higher and higher to the point it says that the latest is $ XXXX. I spoke to someone there who never really gave me an answer as to why they're doing this. I was trying to build my credit back up and this company keeps hitting my account and dropping it every month that it looks like I don't pay back.

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 2023-11-02 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: AZ

Complaint narrative:
I kindly request the removal of this account from my credit report as it does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
these fraudulent CRAs are violation my rights as a consumer, I am a victim of identity theft by law the credit bureaus furnished infromation on the consumer report without written consent. I contacted the debt collectors and none of them were able to provide a wet ink signature form me or a contract, these accounts listed below are in fact fraudulent. this has been over 90 days and I am fed up. who will hold these fraudulent companies accountable, who's protection the consumer on the informed use of credit, the act a laws put in place to protect me aren't being followed by these companies and it is affecting my lively hood. I am homeless with an XXXX daughter and my credit is being sabotaged by companies they have too much power and this is not fair!

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 2023-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FORD MOTOR CREDIT CO.
State: LA

Complaint narrative:
I applied for an auto loan with ford.com I added all of my information and they ran my credit and approved me for the loan but didnt provide any details on the rate or payments. I called for support to get this information and The agent could not provide me the rate for the loan or the payment amount after applying and receiving approval online. Its a scam to offer approvals for loans online but not inform the customer of the rate or payment and give them to go to the dealership to negotiate a rate. It should be criminal if it isnt already. Very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UPGRADE, INC.
State: CT

Complaint narrative:
I was put on part-time for work and fell behind on my Loan. In XXXX of XXXX  I reached out to upgrade with options to get caught up. They mentioned the hardship program and how it worked and they would put me on bi-weekly payments to catch up on my loan. They put me on bi-weekly payments which were paid. They failed to mention that this won't actually help me catch up from being late and were still charging interest and my payments weren't actually making the full payment. They charged off my loan. When I called they said I was never enrolled in the hardship program even though they told me this would help me catch up and I would not be late. They ended up telling me I can't enroll in the hardship now because I was too far behind and they ended up charging off my loan. I asked for them to review the call where the associate first set up me and they refused. They now ended up charging my loan off and putting a default date of XX/XX/ even though I was making the payments they set up for me until they charged it off XX/XX/XXXX  which they set up as part of the program I was apparently never enrolled into.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: CO

Complaint narrative:
I picked up a prepaid rental car from XXXX XXXX XXXX on XX/XX/2023, in XXXX, South Carolina. At the time of pick up, I upgraded my car choice and agreed to the increased total amount of {$100.00} and was told that XXXX would put a {$250.00} hold on my debit card. I dropped off the car on XXXX XXXX in XXXX XXXX South Carolina . I was told by the XXXX customer service agent that the {$250.00} hold could remain on the account for 3 business days after dropping off. I was charged the {$100.00} rental fee for my upgrade on XX/XX/2023. I contacted XXXX Billing on XX/XX/2023, to inquire about the {$250.00} still being held. They said it would be released no later than Tuesday, XX/XX/XXXX. I contacted my banking institution and asked if they could remove the hold. The agent said if XXXX called them directly then maybe they could work something out. On Wednesday, XX/XX/2023, I saw that the hold was still in place. I went to my bank ( Key Bank ) and the branch manager filed a dispute and then told me there was nothing else to do unless XXXX calls them directly. I contacted XXXX again and was told by a billing agent that they can not make outgoing calls. I provided him a fax number and am now still waiting for my funds to be released. Today is XX/XX/2023 and XXXX has been holding these funds for 13 days. If Key Bank is capable of releasing the hold then why can't they just release it? This is my money and my banking institution should be protecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This complaint is to ensure that Chase Bank ensures proper handling of an unauthorizedcharge in the amount of {$1000.00}. I reported the unauthorized charge on Tuesday XX/XX/XXXX to Chase Bank but have not receiveda credit to my bank account in accordance withthe Fair Credit Billing Act. I never swiped my card with the merchant nor signed any invoices or received any receiptsto confirm any charging to mybank account. We were supposed to completea business transaction but unfortunatelythe company failed to complete delivery and they did not respond to me. I am no longer interested in doing business with thiscompany and the charge posted to my account is a legally unauthorized charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: TX

Complaint narrative:
Please delete this fraudlent account, I did not authorize someone else to use my personal information to open this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have been attempting to freeze my XXXX kids ' credit with all three bureaus. I was able to freeze XXXX kids ' credit no problem and my oldest daughter 's credit with two bureaus with no problem the first time. However after 3 attempts over at least 6 months and being meticulous about ensuring all required items are submitted to Equifax each time, they always come up with some excuse for why they can not freeze my oldest kid 's credit. So now they have personal and sensitive documents to include copies of social security cards, birth certificates, and driver 's licenses which they have acknowledged receipt of three times, but every time I call, they can't tell me what they did with these documents and have no record of them despite them sending me letters saying they received the items. They also still have not frozen the credit for the information that I can only assume is now more at risk with their mishandling three times. They simply send letters each time asking for the same information again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Modlin Slinsky, P.A.
State: FL

Complaint narrative:
XXXX XXXX, thank you for your response and the documents you provided dated XX/XX/2023 but it was not what I had requested and DEMANDED. I reject respond and the documents from Modlin Slinsky P.A and XXXX XXXX. MODLIN SLINSKY , P.A . was advised of Notice of Demand for payment dated XX/XX/2023 and XX/XX/2023 within 15 and 10 days requirements. Modlin Slinsky, P.A did not resolve my complaint with XXXX XXXX XXXX ( XXXX ) or settle payment by sending the requirements requested. " Please take notice that demand is hereby made that Modin Slinsky, P.A immediately pay {$25000.00} in check for settlement. '' As, this request has not been honoured. XXXX XXXX made several attempts, Modlin Slinsky P.A and XXXX XXXX refusal to resolve this matter. 
I do hereby give formal Final Warning Notice to MODLIN SLINSKY, P.A and XXXX XXXX of Default, Estoppel and as this is a final notice, as my request has not been honoured. Informing MODLIN SLINSKY, P.A and XXXX XXXX of their failure to properly respond and having acquiesced to the stipulated offer and conditions as they operate in favor of the undersigned. 


MODLIN SLINSKY, P.A and XXXX XXXX are now in default and this is a final OPPORTUNITY TO CURE, FINAL WARNING NOTICE OF DEFAULT AND DEMAND FOR PAYMENT, PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES. This is NOT a request for COUNTERFEIT COPIES OF FRAUDULENT STATEMENTS and agreements from another XXXX XXXX and is not to be treated as one! ALL COPIES ARE COUNTERFEIT AND FRAUDULENT AND CAN NOT BE USE IN COURT! 

Please be advised that this is my FINAL WARNING that I fully intend to file a lawsuit, bar and Attorney General complaint. Please accept this FINAL written OFFER OF SETTLEMENT/RESOLUTION BEFORE FILING LAWSUIT COMPLAINT LITIGATION against XXXX XXXX and MODLIN SLINSKY , P.A as my attempt to amicably resolve your continued mail fraud, deliberate concealment of material information, defamation of character, aggravated identity theft, GROSS MISREPRESENTATION, Racketeer, extortion, theft by deception, False and misleading representations, and multiple violations of state and Federal, refusal to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I found accounts on my report that don't belong to me.

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 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On the date of XX/XX/XXXX  I was approved for a provisional credit ATM claim of {$200.00}, this process involved me filing an ATM claim a week prior, but on the same day it happened, which is that I counted the money three times over and had the exact amount written down, but after depositing the amount I realized it was {$200.00} short and was shocked because since this ATM can not handle more than 20 items at once I figured it would hand me back the money or send me a text of the deposited amount afterwards but neither of which took place, so I took action and called the claims department at wells fargo stating there has been an error with their machine and that there were multiple previous complaints on this machine from neighbors and this was my first time experiencing trouble that involved it not counting money correctly, I was promptly informed that they would investigate and handed me a provisional claim of {$200.00}, at first this kept me satisfied and happy with the service, but not even 2 months later they had did a reversal without informing me as to why such action was done. I later called that day and asked them to provide me with documentation for proof to why the claim was allowed to be closed and reversed. Before this reversal even took place the ATM machine was promptly replaced shortly after my ATM claim was given, giving me comfort that these troubles would not occur again for me or anyone making a deposit, but after explaining this to the operator and my concerns she was rude and said there was nothing to be done and the ATM machine being replaced was a mere coincidence, hearing this short response in a resentful tone was highly unprofessional of her and her overall demeanor was still rash in further stating that there was proof already sent out to me. It has been well over one month with no proof received, so I reached out to my neighbor who suggested I file a complaint with CFPB and get this sorted out since the bank departments are reckless in talking with clients who have been a customer with them for a number of years.

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 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
This credit card was applied for without my knowledge, It seems my identity has now been compromised/ stolen. I am not sure where it was stolen from. I want the impersonator to prosecuted to the fullest extent of the law, which is why i asked the company to provide me the Name, Phone #, Address, and IP Address the electronic Credit application was submitted from so I can file a police report with the correct information to press charges against this individual. The company declined to provide that information to me, i am not satisfied with that response as it is my identity that has been compromised with out my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
ATTN : CFPB I need you to engage in enforcement action on my behalf against Experian. please take action against these companies that are fraudulently reporting fraudulent accounts to my consumer report. I am a victim of identity theft and need this resolved pursuant to 15 USC 1681c-2. please hold Experian accountable. I've been working with Office of the Illinois Attorney General XXXX XXXX, law enforcement, and the FEDERAL TRADE COMMISSION I've provided DOCUMENTS & PROOF OF THE THEFT. I made contact via phone and I mailed these documents to Experian. I've attached proof that USPS delivered and signatures upon receipt. 
Experian : XX/XX/XXXX, XXXX XXXX I've contacted Experian. I received an email that they don't believe bankruptcy can be considered identity theft. I've attached that unprofessional email. XXXX and XXXX have deleted the bankruptcy. All my documents have been notarized. 


XXXX accounts on my Experian credit file : 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 2023-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IN

Complaint narrative:
Nelnet cashed the check but won't credit my account. Amount of {$2000.00}. They just email asking for past amount and interest. I called and waited an hour and a half with no answer. Emailed three times with no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
I am part of a XXXX consolidation program. And this debt keeps calling my house and my references I had on the loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I set up an account with MOHELA and paid the past due balance online on XXXX. I called MOHELA on XXXX to discuss this and they left me on hold for an hour and 13 minutes with no answer. When I set up my account to make a payment, they had an old address and phone number listed for me, which I don't know how that happened since the prior servicer, XXXX. has my current contact information and I haven't lived at the old address since I moved in XXXX of XXXX. MOHELA claimed in an email that I had asked for paperless billing, which I never did. Their poor customer service resulted in me missing my XXXX payment. I feel like their ineptitude has now jeopardized the Public Service Loan Forgiveness that I had been notified in XXXX that my application had been received by the government. I work for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I deserve this loan forgiveness. I also don't believe I should have had to make any payments to MOHELA, but when they don't mailed me timely billing statements or answer their customer service phone line, it's impossible to resolve with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My original credit limit was {$10000.00}. I paid my balance down below 30 % and Citibank decreased my credit limit to {$5000.00}, which increased my usage percentage. I explained to Citibank representative and supervisor that this in not good customer service. This was very inconsiderate for Citibank to decrease my credit limit and making my credit usage increase drastically. I have always paid my account on time or no more than 10 days after the due date. This is horrible customer service and this will place a hardship on my credit score. Will someone please address this issue?

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