vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-03 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This private student loan was opened in XXXX and I renewed an in-school, active student deferment/forbearance form every year as required by Wells Fargo, signed and certified by my school 's official. I called every time to request the form to be emailed to me, then sent the form back and followed up in a week or so to ensure it was received. My forbearance form in XXXX was no different ; I called to ensure it was received, and the XXXX  representative stated it had been applied as requested and would be good for another academic year. I thanked them. A few months later, I noticed on my credit report XXXX late payments, significantly dropping my credit score. I was shocked and called Wells Fargo. They stated they would apply the in-school deferment and did so starting XX/XX/XXXX, but never removed the incorrectly reported late payments from XXXX and XX/XX/XXXX. I also never received mail, e-mail, or phone calls telling me I had a payment due. I have repeatedly attempted to contact Wells Fargo to no avail ; calls were escalated, I would wait on hold for hours, and eventually be told that it was a specialized department and someone would have to call me back. I never received a call back. In XX/XX/XXXX, the loan was sold to another servicer and there is apparently no one at Wells Fargo I can speak to any longer. This is extremely frustrating and simply wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: NM

Complaint narrative:
I received an email from I received an email from Citizens Bank on XX/XX/23 stating that my real estate taxes to XXXX XXXX XXXX were paid from my escrow account. The email stated that the transaction was processed on XX/XX/23 in the amount of {$1800.00}. 

After researching why the taxes were still showing due, I located on my Citizens Bank online account the address to where the payment of taxes was sent. The address that Citizens Bank sent my tax payment is incorrect. Specifically, the zip code is incorrect. 

I subsequently contacted the mortgage department at Citizens Bank that XXXX  real estate tax payments. I explained to them the error and I was advised that they would research the matter and that I should check back on XX/XX/XXXX for an update. The representative went on to say that I could also make the payment myself. I was flabbergasted with this advice as I have my taxes paid through escrow. This basically would mean XXXX paying twice because of Citizens error. 

In addition, the tax bill from XXXX XXXX XXXX is sent out by XX/XX/XXXX and due on XX/XX/XXXX. I also mentioned this to the representative and I was told that this is common practice. Ive had many mortgages with major banks such as XXXX XXXX XXXX and XXXX, and they always paid my taxes when they were due, and not after the due date. Therefore, I doubt that this is common practice and I question the legality of this practice by Citizens. 

As of this writing, my taxes with XXXX XXXX XXXX are still showing due. Im requesting that the following be done by Citizens : 1. Correct the zip code error and reissue tax payment forthwith as taxes will be delinquent on XX/XX/XXXX. 

XXXX. Allow me in the future to pay the real estate taxes myself and not have them escrowed. And adjust my mortgage payment to reflect not having taxes escrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
ON XXXX XXXX. I RECEIVED MY CREDIT REPORT FROM XXXX AND IN THE SUMMARY REPORT SHOW THE DIFFERENT ITEMS FROM XXXX XXXX XXXX, XXXX CREDIT BUREAU, EQUIFAX INFORMATION SERVICES LLC. 
UNDER 15 U.S. CODE 1681CONGRESSIONAL FINGS AND STATEMENT. CLEARLY WITH THE SUMMARY ENCLOSED YOU WILL SEE THE DIFFERENT BALANCE FROM ALL THRE CREDIT BUREAUS. 15 U.S. CODE 1681-2- RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES. A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWSOR HAS REASONABLE CAUSE TO BELIEVE THAT INFORMATION IS INACCURATE. A SUMMARY OF MY RIGHTS UNDER THE FAIR CREDIT REPORT 9IMOSES RESPONSIBILITIES ON ALL FPERSON WHO FURISH INFORMATION TO CONSUMER REPORTING VIOLATION OF 15 U. S. CODE 1681 THE INACCOURATE INFORMATION HAS IMPACTED MY CREDIT REPORT THAT I CAN NOT APLY FOR ANY CREDIT CARD. THE FALSE REORTING FROM XXXX XXXX, XXXX AND EQUIFAX HAS AFFECTED MY CEDIT REPORT WHICH HAS CONSEQUENCES OF ERRONEOUS ENTIREIES ON MY CREDIT REPORT IS MISLEADING UNDER ( FCRA ). THIS INACCURATE REPORTING IS AFFECTING MY EMPLOYMENT OPPORTUNTIES OF GETTING HIRED FOR BETTER POSITIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 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: MI

Complaint narrative:
ON XXXX XXXX. I RECEIVED MY CREDIT REPORT FROM XXXX AND IN THE SUMMARY REPORT SHOW THE DIFFERENT ITEMS FROM XXXX XXXX XXXX, EXPERAIN CREDIT BUREAU, XXXX XXXX XXXX XXXX. 
UNDER 15 U.S. CODE 1681CONGRESSIONAL FINGS AND STATEMENT. CLEARLY WITH THE SUMMARY ENCLOSED YOU WILL SEE THE DIFFERENT BALANCE FROM ALL THRE CREDIT BUREAUS. 15 U.S. CODE 1681-2- RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES. A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWSOR HAS REASONABLE CAUSE TO BELIEVE THAT INFORMATION IS INACCURATE. A SUMMARY OF MY RIGHTS UNDER THE FAIR CREDIT REPORT 9IMOSES RESPONSIBILITIES ON ALL FPERSON WHO FURISH INFORMATION TO CONSUMER REPORTING VIOLATION OF 15 U. S. CODE 1681 THE INACCOURATE INFORMATION HAS IMPACTED MY CREDIT REPORT THAT I CAN NOT APLY FOR ANY CREDIT CARD. THE FALSE REORTING FROM XXXX XXXX, EXPERIAN AND XXXX HAS AFFECTED MY CEDIT REPORT WHICH HAS CONSEQUENCES OF ERRONEOUS ENTIREIES ON MY CREDIT REPORT IS MISLEADING UNDER ( FCRA ). THIS INACCURATE REPORTING IS AFFECTING MY EMPLOYMENT OPPORTUNTIES OF GETTING HIRED FOR BETTER POSITIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
IN ACCORADNCE IN THE FAIR CREDIT REPORTING ACT. THE LIST OF THE ACCOUNTS BELOW HAS VOLIDATE MY FEDREALLY PROCTECTED CONSUMER RIGHT PIRVACY AND CONFIDENTAILY 15 U.S 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C1681 SECTION 602 A 15 U.S.C 1681SECTION 602 SECTION 2 15 U.S.C 1681C. ( A ) ( 5 ) SECTION 15 U.S.C.1681S-2 ( A ) ( 1 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
I moved out of my apartment in XXXX with a {$0.00} balance on my account. Genesis Credit Management called me in XXXX of XXXX to tell me I had an unpaid debt. This debt has never been brought to my attention in three years and the other tenant of my apartment has not been contacted by Genesis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 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: MI

Complaint narrative:
XXXX XXXX and Experian has refuse to follow the FCRA AS SET FORTH IN THE GUIDELINES OF 15U.S.CODE1681 CONGRESSIONAL FINDINGS AND STATEMENTS BOTH HAS VIOLATIONOF 15U.S.CODE1681 UPON RECEIVING MY CREDIT REPORT BOTH AGENCIES HAS COMMITTED FRAUD BY PPLACING MISLEADING INFORMATION ON MY CREDIT REPORT. SECTION. 604 FCRA SECTION 623 OF THE FCRA THE INACCURATE INFORMATION HAS IMPACTED MY CREDIT 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 explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I had a check made out to the GA Revenue for a last payment for local state taxes. There was enough money in my account to make this payment and according to Bank of America 's check payments, it should have been paid as there was {$20.00} left in that account and I was expecting a deposit in one of my accounts for over {$6000.00} which I received the next day and I would transfer more money into that personal account.

There was a bank of america payment to a credit card I was paying additional funds on and nothing was due which was posted or listed after the check was presented. They chose to pay this payment ( their credit card ) over my check sent for taxes!. With this credit card I have {$14000.00} of credit line and {$2500.00} remaining and this was not due it was an additional {$100.00} payment.

Bank of America returned the State tax check and paid themselves ( which posted after ) I am sending a screenshot and want a letter to send to the State of Ga so I don't get fees there.

I send another payment to them and letter with screenshot to a manager at the State of Ga Dept of Revenue. The balance at that time was paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 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: CA

Complaint narrative:
IN ACCORRDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST ACCOUTS BELOW HAS VPLIDATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S 1689. 


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 

15 U.S.C 1681A SECTION 602 A. STATE I HAVE THE RIGHT TO PRIVACY 15 U.S.C DECTION 604 A SECTION 2 : IT ALSO STATES A COMUSMER REPORTING AGENCY CONNOT FURNISH ACCOUNT WITHOUT MY WRITTEN NOTICE. 

15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING TEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS WHICH ANTEDATES THE REPORTING BY MORE THAN SEVEN YEARS.

15 U.S.C1681S.-2 ( A ) ( 1 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
IN ACCORRDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST ACCOUTS BELOW HAS VPLIDATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S 1689. 


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 

15 U.S.C 1681A SECTION 602 A. STATE I HAVE THE RIGHT TO PRIVACY 15 U.S.C DECTION 604 A SECTION 2 : IT ALSO STATES A COMUSMER REPORTING AGENCY CONNOT FURNISH ACCOUNT WITHOUT MY WRITTEN NOTICE.

15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING TEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS WHICH ANTEDATES THE REPORTING BY MORE THAN SEVEN YEARS.

15 U.S.C1681S.-2 ( A ) ( 1 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: MI

Complaint narrative:
I have a mortgage with Loancare. In XXXX I made a payment towards my loan. They never applied the payment even though it was deducted from my bank account. The lender is stating I am 2 months behind when in fact I only owe for the month of XXXX. I have sent numerous emails and tried to call but the call center is shut down. I provided proof of payment by sending pictures of my bank account being drafted as well as a confirmation email from the company that it has been paid. I am getting no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 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:
15 U.S. Code $ 1681c-2 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 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:
15 U.S. Code $ 1681c-2 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TransUion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Company has bought my information from another company without my consent, company has sent me letters with there stamp on envelope and letter. company has not provided a purchase agreement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This private student loan was opened in XXXX and I renewed an in-school, XXXX XXXX deferment/forbearance form every year as required by XXXX XXXX, signed and certified by my school 's official. I called every time to request the form to be emailed to me, then sent the form back and followed up in a week or so to ensure it was received. My forbearance form in XXXX was no different ; I called to ensure it was received, and the female representative stated it had been applied as requested and would be good for another academic year. I thanked them. A few months later, I noticed on my credit report 2 late payments, significantly dropping my credit score. I was shocked and called XXXX XXXX. They stated they would apply the in-school deferment and did so starting XX/XX/XXXX, but never removed the incorrectly reported late payments from XXXX and XX/XX/XXXX. I also never received mail, e-mail, or phone calls telling me I had a payment due. I have repeatedly attempted to contact XXXX XXXX to no avail ; calls were escalated, I would wait on hold for hours, and eventually be told that it was a specialized department and someone would have to call me back. I never received a call back. In XX/XX/XXXX, the loan was sold to another servicer and there is apparently no one at XXXX XXXX I can speak to any longer. This is extremely frustrating and simply wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This private student loan was opened in XXXX and I renewed an XXXX XXXXXXXX XXXX deferment/forbearance form every year as required by XXXX XXXX, signed and certified by my school 's official. I called every time to request the form to be emailed to me, then sent the form back and followed up in a week or so to ensure it was received. My forbearance form in XXXX was no different ; I called to ensure it was received, and the female representative stated it had been applied as requested and would be good for another academic year. I thanked them. A few months later, I noticed on my credit report 2 late payments, significantly dropping my credit score. I was shocked and called XXXX XXXX. They stated they would apply the in-school deferment and did so starting XX/XX/XXXX, but never removed the incorrectly reported late payments from XXXX and XX/XX/XXXX. I also never received mail, e-mail, or phone calls telling me I had a payment due. I have repeatedly attempted to contact XXXX XXXX to no avail ; calls were escalated, I would wait on hold for hours, and eventually be told that it was a specialized department and someone would have to call me back. I never received a call back. In XX/XX/XXXX, the loan was sold to another servicer and there is apparently no one at XXXX XXXX I can speak to any longer. This is extremely frustrating and simply wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 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: MD

Complaint narrative:
This private student loan was opened in XXXX and I renewed an XXXX XXXX XXXX deferment/forbearance form every year as required by XXXX XXXX, signed and certified by my school 's official. I called every time to request the form to be emailed to me, then sent the form back and followed up in a week or so to ensure it was received. My forbearance form in XXXX was no different ; I called to ensure it was received, and the female representative stated it had been applied as requested and would be good for another academic year. I thanked them. A few months later, I noticed on my credit report 2 late payments, significantly dropping my credit score. I was shocked and called XXXX XXXX. They stated they would apply the in-school deferment and did so starting XX/XX/XXXX, but never removed the incorrectly reported late payments from XXXX and XX/XX/XXXX. I also never received mail, e-mail, or phone calls telling me I had a payment due. I have repeatedly attempted to contact XXXX XXXX to no avail ; calls were escalated, I would wait on hold for hours, and eventually be told that it was a specialized department and someone would have to call me back. I never received a call back. In XX/XX/XXXX, the loan was sold to another servicer and there is apparently no one at XXXX XXXX I can speak to any longer. This is extremely frustrating and simply wrong.

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