vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with ( XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: CA

Complaint narrative:
I found out that my cousin XXXX used my information to open fraudulent accounts. I have done everything that i was asked to do but they refuse to remove these fraud accounts.

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 2024-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
I have 2 mortgages ( in Florida ) with Flagstar Bank for about 3 years and during my time with Flagstar I have never had any late payment. When I requested escrow accounts waiver, Flagstar told me that they charge XXXX XXXX of principal balance in order to waive escrow accounts. I have a total of 11 mortgages ( in Florida ) with 8 different lenders and they all waived escrow accounts after 1-year on-time payment without charging a fee. Why only Flagstar bank is allowed to charge such large amount of fee to waive escrow account? 

If the escrow accounts are waived, I can manage the money myself deposit it in a high-yield saving account today for XXXX XXXX interest or buy short-term treasury bill to earn over XXXX XXXX  interest. Why is Flagstar Bank is allowed to hold our money for free ( i..e. they don't pay homeowners interest for the escrow money ) and they can use this money to earn over XXXX XXXX  interest?

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 2024-06-18 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: MA

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. 
XXXX XXXX Account # : XXXX has violated my rights. 15 U.S. C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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. 16815-2 ( 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. I request these accounts be deleted off my consumer report.

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 2024-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: OH

Complaint narrative:
Over the course of XXXX days, I made multiple calls, spoke to multiple representatives, including a servicer to get an answer about XXXX payment calcluations. I was unable to get an answer. 

According to XXXX starting XX/XX/XXXX, XXXX  payments will be adjusted for borrowers with XXXX debt. Those with only XXXX loans will pay 5 % discretionary income each month and those with only graduate will pay 10 %. For those of us with a mix, it is a weighted average. 

I have a consolidated loan with a mixture of XXXX and XXXX debt. I want to know how they are going to determine the XXXX balance and XXXX balance. On the XXXX report from XXXX there are a few lines that might potentially contain an answer but Mohela has not provided any answer to my quesitons.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Account # XXXX & Account # XXXX This complaint is a REBUTTAL to a response from MIDLAND CREDIT MANAGEMENT dated XX/XX/year> regarding a dispute on the above accounts & also previous disputes regarding these accounts. 

You've responded to my previous DISPUTE with a statement stating that you have reported accurate information. First of all, I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction or transactions on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop providing me with information I did not ask for. 

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and MIDLAND CREDIT MANAGEMENT are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - MIDLAND CREDIT MANAGEMENT is a CORPORATION - 15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Seven unauthorized wire transfers totaling {$6800.00} was withdrawn from my business checking account on XX/XX/year>, by Chase Bank. I never transfer any monies by wire. On XX/XX/year>, I was notified by XXXX that someone was trying to access my mobile banking and was advised to notify Chase. On XX/XX/year> I notified a bank officer at the XXXX, PA Chase Branch. I was advised to change username and password which I did. That obviously didn't work. 

I sent Chase information backing my claim. There comment was this was a lot of money. 
The bank manager at the XXXX, Pa branch also talked to corporate on my behalf, but this didn't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: NY

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-06-18 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: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 2024-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/year> I attempted to transfer {$1000.00} from my chase XXXX bank account to my XXXX XXXX XXXX bank account. On Chase 's end the transaction appeared to be successful and the money was deducted from my bank account, however as of today I have not received the money in my XXXX XXXX XXXX account despite contacting Chase Bank and XXXX XXXX XXXX several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I received a court summons from LVNV Funding. I appeared in court and filed my answer. I provided a copy of my police report showing I was a victim of identity theft. The company never did the investigation into my claim. They processed to say I bought guns on the credit card in XXXX XXXX when I live in XXXX. Even after giving proof they didnt respond to my answer I filed with the court. On XX/XX/year> we had a court date but due to work I was unable to make it to cousin I filed a motion to set aside. The judge denied my claim because I couldnt come to court. However, the judge didnt make them respond to my ID theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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:
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 non-monetary relief
Consumer complaint received 2024-06-18 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: NE

Complaint narrative:
My account with XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Subject : Urgent Legal Matter - Review of Attached Document Dear XXXX  XXXX and Resurgent Acquisitions, LLC, Please have your legal department carefully review the attached document. This matter is of serious importance as I intend to bring a civil action against your corporation for allegedly violating laws and regulations. 

Failure to comply will result in the consequences detailed in the attached notices. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
This new complaint is in response to the misinformation that PHH supplied you with regarding my previous XXXX. All of the items are addressed in my letter which is attached Ombudsman letter XX/XX/year>. This complaint is that PHH Mortgage and their attorney XXXX XXXX has started a premature and predatory foreclosure action against my mothers home. They have not been communicating with me despite being given a copy of my mother 's trust showing that I am the successor trustee. They claim that a few pages of my mother 's trust were missing and began a foreclosure action with out notifying me. I emailed them the only two items they asked for the trust and death certificate on XX/XX/year>. I had confirmed with them that they had everything on XXXX XXXX and was assure all was well. I was told I had until XX/XX/year> to sell the home or ask for a 90 day extension. If I needed the extension, it was best to ask early. When I called in to request my first 90 day extension as allowed by HUD, they told me they had begun foreclosure due to missing pages in the trust. NO ATTEMPT was made to e-mail or call me. They claim they made 1 attempt to call me and my phone was disconnected. This is an Out & out lie! I have had this number for 20 years and it has NEVER been out of service. I was by the PHH rep that I had until XXXX to provide a listing agreement, the full trust and proof of funds that I could pay off the mortgage. ALL of these items were provided ahead of the deadline. I also call their attorney XXXX XXXX and they said I had until XX/XX/year> to provide these items. ALL items were provided on XX/XX/XXXX & & via e-mail to both parties. In addition hard copies were delivered to PHH, the Investor XXXX and XXXX XXXX on XX/XX/year>. All well ahead of the deadline. Despite this XXXX XXXX file the first NOD on XX/XX/year>. When I called them out on this they rescinded that NOD on XX/XX/XXXX and refiled a new NOD on XXXX XXXX. Both parties knew they had all of my documentation, but both parties chose to sit on it and respond later that it did not come in time. I have provided e-mails and letters that were sent out showing they had the documents ahead of time and they could and SHOULD have cancelled the foreclosure. They later went on to say that the listing agreement was blank. That is not true. You have a copy of the agreement attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: TX

Complaint narrative:
Kindly remove and block. 
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away.

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 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Convenience checks should not be sent to card holders unsolicited, and THE CARD ISSUER SHOULD BE REQUIRED TO PROVIDE PROMINENT INSTRUCTIONS AND DIRECT PHONE NUMBERS FOR OPTING OUT. Opt-out should take effect immediately, not with a 30-day grace period for the card issuer. Unsolicited checks are a serious security risk, especially since a mail thief could cash the checks before the account holder is aware that unsolicited checks were sent. 

On XX/XX/year> I received XXXX unsolicited convenience checks associated with my Barclays Bank credit card without any information or phone number indicating that I could refuse the checks or opt out of future convenience check solicitations. The same day, it took XXXX tries calling the number on the back of my credit card to reach a live Barclays Bank customer service rep to enquire about opting out. The rep executed the opt-out order but told me that it could take 30 days for the opt-out to take effect.

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 2024-06-18 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:
PLEASE BLOCK AND REMOVE Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

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 2024-06-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I uploaded my XXXX form in XXXX. It kept getting denied, due to it being my XXXX  time filing and kept submitting invalid info, but it finally got approved in XXXX. Without them notifying me, they just informed me that I needed to get it fixed within XXXX days. I fixed it in XXXX after the XXXX days, so it screwed my credit score. I worked my whole life for my credit score, having a credit card since I was a XXXX XXXX XXXX XXXX. I am now in the process of renting a house and my credit is terrible. I don't understand how you do not notify a recent XXXX that they have XXXX days to resubmit or else it will XXXX their life over. The loan is paid off by XXXX  due to myself working in XXXX. How can I get my credit score back or is there no hope? I can't believe that this is how recent XXXX  are treated and not notified of things 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 non-monetary relief