vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Sentry Credit, Inc.
State: GA

Complaint narrative:
We lived at an apartment for almost XXXX. We have moved out of an apartment in XXXX and notified the leasing office. They have inspected the apartment and sent us a notice for {$900.00} in damages. We did let them know that a lot of items were already notified to the leasing office in maintenance request like paint peeling off of tiles in bathroom, leak in the roof and they charged us for some tape on the wall even after we signed up for cleaning through them. We have asked them for additional information on the maintenance requests, our complaints regarding the same items during our stay and tried to resolve the issue with them. They never responded back to our emails/phone calls on XX/XX/XXXX and after XXXX on XX/XX/XXXX, they have reported it to a credit bureau that we havent made those payments. Initially they said they will waive off {$300.00} but we denied because we are not at fault and none of the items listed on the notice were actual damages by us. They mentioned they had put in new tiles before us moving in but they just painted over the tiles and as soon as we started using the shower, the paint started peeling off and we have notified it to a service guy who came to fix the shower tap which is coming off and he said it is normal and we dont have to worry about it. We asked for proof of putting those new tiles and they never reponded back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit inquiries on my credit report that I don't recognize. It wasn't authorized by me. 

XXXXXXXX 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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit inquiries on my credit report that I don't recognize. It wasn't authorized by me. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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: EdFinancial Services
State: TX

Complaint narrative:
Fully paid off my XXXX of my subsidized loans on XX/XX/XXXX. The COVID forbearance got extended, and so I requested a refund. The refund never went through, so I called in XXXX to cancel the refund before the extended forbearance ends, which should backdate my full payment to XX/XX/XXXX again, meaning I should not get charged any interest according to the Edfinancial associate I spoke on the phone with. I provided bank statements and payment receipts to prove that I paid in full and that I did not receive any refund into my bank account. I have called multiple times to ask when my case would get processed, but kept getting told they do not know when it will get taken cared of by the appropriate department. On XX/XX/XXXX, I get a letter from Edfinancial that I paid in full only for XXXX loans, and I am getting charged interest on the remaining loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The Loans For XXXX  XXXX have been paid and I have contacted XXXX  they have provided me email and documentation for this pay off I request that this be updated on my Experian Credit Profile to reflect the loan is fully paid off and should go into A positive Status

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
The Loans For Affirm inc have been paid and I have contacted affirm they have provided me email and documentation for this pay off I request that this be updated on my XXXX Credit Profile to reflect the loan is fully paid off and should go into A positive Status

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My statement closing date is the XXXX of the month. If I purchase a pair of shoes for {$200.00} on XX/XX/XXXX but then return them on XX/XX/XXXX, Capital One does not permit me to deduct this {$200.00} credit from the payment due on XX/XX/XXXX. They expect me to still include the {$200.00} in my payment even though it has posted to my account or else face interest charges. This is an unfair business practice to penalize a consumer this way. It favors the cash flow of the bank to the detriment of the consumer. I own 3 other credit cards and none of them follow this model. ALL of them allow me to deduct any credits that have posted to my account even if they post after the statement cutoff date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: TX

Complaint narrative:
I submitted, by myself information directly to the IRS on MOHELA, about XXXX weeks later I rightfully received my copy of a XXXX c copy b for cancellation of debt at the end of XX/XX/2023. I reached out to MOHELA regarding the copy B and was told to submit my copy B to their website, after they reviewed it, it was told to me from a representative, XXXX and his supervisor, I believe her name was XXXX that my account would be updated by the end of XXXX. When I saw no update and no updated report to the credit bureaus, I then followed up again and was told to give them up to XXXX days to correct my account. When I followed up again in the beginning of XXXX, I was then told, they did not send me a XXXX c copy b, and that my copy was part of a scam. I did not take part in ANY scam whatsoever. The real scam is what they are doing to people instead of canceling debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized hard pull inquiries appearing on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically outlined in section 1681b ( f ), consumers are entitled to the protection of their credit information from unauthorized access and inquiries.

Upon reviewing my credit report, I discovered [ number of unauthorized hard pull inquiries ] unauthorized hard pull inquiries listed on my report. These inquiries were made without my consent or authorization, which is a direct violation of the FCRA.

As per the FCRA, section 1681b ( f ), it is unlawful for any entity to access a consumer 's credit report without a valid permissible purpose, or without the consumer 's express consent. The unauthorized inquiries listed on my credit report not only compromise my privacy but also have the potential to negatively impact my credit score and financial standing.

I hereby request the immediate removal of all unauthorized hard pull inquiries from my credit report, as mandated by the FCRA. Additionally, I request an investigation into the circumstances surrounding these unauthorized inquiries and measures to prevent such occurrences in the future.

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiries, as well as any supporting documentation deemed necessary to assist in the resolution of this matter.

I expect a prompt response to this complaint and the resolution of the unauthorized inquiries in accordance with the FCRA guidelines.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: MS

Complaint narrative:
XX/XX/year> I was discharged from my bankruptcy. Since then They have received several documents confirming this but yet they will not accept a payment from me theyre saying that I owe {$5000.00} coming out of bankruptcy and refused to take anything except for {$5000.00} because they said I owed for the past XXXX  months. I sent them proof that it was paid and then they said my escrow surplus was over {$4000.00} I asked for it they said that I wasnt entitled to it if I was delinquent. I tried explaining I wouldnt have been delinquent if they wouldnt have messed it up in XXXX. XX/XX/XXXX they said that by XX/XX/XXXX they would know something XX/XX/XXXX comes around and they put it off until XX/XX/XXXX now they put it off until XX/XX/XXXX th making me XXXX mos behind only due to them not letting me pay. It hasnt been credited back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX DOB- XX/XX/XXXX SSN- XXXX Experian, XXXX, and XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
The following items must be blocked, removed and permanently deleted from my credit profile. 
XXXX account ending in ( XXXX ) Open Date- XX/XX/XXXX Balance- {$24000.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Which states FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Police Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within five business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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 2024-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
XX/XX/XXXX I started a new checking account due to divorce. I forgot to update synchrony by the due date of that bill. After the first missed payment I updated the account. Every late payment after that was due to synchrony trying to charge a closed account, not the updated account. This happened again in XX/XX/XXXX after billing the correct account multiple times, they reverted back to charging a closed account. They also closed this account after XXXX missed payments in XX/XX/XXXX even though XXXX of those missed payments was because they tried to bill the wrong account. Also, their notification practices are sub par. Notification has never happened in a timely manner to resolve the issue. I have paid immediately each time I have finally been notified. As of right now they are reporting at least XXXX missed payments. I take responsibility for XXXX, though that could have been resolved with a phone call.

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 2024-03-17 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: KEYCORP
State: NY

Complaint narrative:
I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. These accounts KEYBANK  NA XXXX  account number starting with XXXXXXXX XXXX XXXX XXXX account number starting with XXXX are incomplete and acurrate. 

And one more thing according to 15 USC 1681s-2 A person shall not furish any information relating to a consumer to any consumer reporting agency if the person knows or her reasonable cause to believe that the information is accurate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-17 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: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX DOB- XX/XX/XXXX SSN- XXXX XXXX, Transunion, and XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
The following items must be blocked, removed and permanently deleted from my credit profile. 
XXXX account ending in ( XXXX ) Open Date- XX/XX/XXXX Balance- {$24000.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Which states FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Police Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within five business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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 2024-03-17 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: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX DOB- XXXX  SSN- XXXX XXXX, XXXX, and Equifax Dear Sir XXXX Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
The following items must be blocked, removed and permanently deleted from my credit profile. 
XXXX account ending in ( XXXX ) Open Date- XX/XX/XXXX Balance- {$24000.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Which states FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Police Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within five business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I got notifications from capital one that a credit card was opened in my name and I reported this at the police station. I also notified the credit card company that this is fraudulent as I do not request this card. They also informed me that the card was now closed. 1 month later my credit score dropped with over XXXX. This is heartbreaking. Please assist The last time that I own a credit card from this particular credit card company was over 3 years ago. I informed them that I do not want to do business with them anymore and to cancel all card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
XX/XX/XXXX PHH/XXXX XXXX  Loan # XXXX Escrow Servicing Complaint : Misapplied payments inconsistent with amortization schedule The following summarizes the events resulting in my complaint of misapplied mortgage payments by PHH. 

1. Tax disbursed payments assumed by PHH since XX/XX/XXXX - XX/XX/XXXX were discovered unprocessed up to XX/XX/XXXX as they lacked the publicly available property parcel id ( XXXX ) required for processing by the City Comptroller Dept. The discrepancies from using their third party payment firm XXXX XXXX resulted in months of generated interest, fees and penalties that are seemingly being passed on to the customer while reporting payments as late to credit Bureaus and sending foreclosure documents by signature-required registered mail. 

2. PHH performed four ( 4 ) corrective Escrow Analyses to address the discrepancies in one ( 1 ) tax payment cycle ( XXXX ) which involved overpayments and incorrectly addressed payments brought to their attention. The Escrow Analyses done in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all, as an example, incorrectly accounted for full city payments of {$4000.00} in both XX/XX/XXXX and XX/XX/XXXX when the payments were to be made in two ( 2 ) halves of {$2000.00} each ( XXXX and XXXX ). 

3. During the discrepancy review months my regular monthly payments of {$990.00} were made each month as the month payment expectations from the escrow statements went from {$2700.00}, {$2700.00}, {$2600.00} to final amount of {$2300.00} in XX/XX/XXXX. As the discrepancies were identified and resolved on XX/XX/XXXX, I made payments of XXXX in XX/XX/XXXX and then {$2800.00} in XX/XX/XXXX to bring my account current according to an XXXX  notice quickly emailed to me on XX/XX/XXXX ; following on a tele conversation with an account rep on XX/XX/XXXX concerning my upcoming XX/XX/XXXX payment as no payment was applied on my XX/XX/XXXX statement when it was applied on the XX/XX/XXXX statement. 

4. My XX/XX/XXXX statement now reflects two ( 2 ) Regular monthly payments being applied while stating a past due amount of {$2300.00} for the same month of XX/XX/XXXX. 

5. My principal and interest payments have been misapplied in an irregular inconsistent manner using clever suspense accounting and shifting payment transaction codes from XXXX to XXXX, while stating both as regular monthly payments on each statement ). ( See attached ) 6. Escrow analysis corrections have not resulted in correctly applying principal and interest payments according to the sent amortization schedule even as agreed payments were made each month. 

Prepared By XXXX XXXX Account Holder/ Owner

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