vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: IN

Complaint narrative:
Over the past week, customers of Loancare have been unable to access their accounts and make payments due to a recent cyber attack. The servicer failed to notify customers of this breach and instead just shut the site down without warning. My current payment is now due today and even though their site is " back up '' ... my current monthly payment won't submit. Unable to get them to answer the phone when calling customer service and it doesn't even give the option to be placed on hold. The servicer also removed the ability to pay ahead on Principal and Escrow amounts from their site. 

How can we hold this servicer liable for failure to notify their customers of a security breach in a timely manner, so we can take the appropriate steps to secure our identities and credit? I, as well as many others, had to learn of the data breach from XXXX of all places. This servicer is very unprofessional and needs to be held accountable for their actions.

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 2023-12-01 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: Parkway Financial Group, LLC
State: TX

Complaint narrative:
For three weeks I have not been able to get ahold of the company and I saw online that the parent company had a cyberhack.I can't even open the app or the website, and yet today my payment still went through. I am extremely angry because I don't know where that money is going, I have no trust in the company and have seen hundreds of people now make the same complaints. This is negligence to the highest degree. I had questions and a dispute about my payment going up by over XXXX dollars, and instead of resolving it they charged me anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XXXX XXXX, XXXX  case # XXXX Foreclosed on property by fraud when they did not own mortgage and filing default. Complaint of Foreclosure was by XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX but Corrective Assigment dated XX/XX/XXXX and recorded OR XXXX : XXXX XXXX  XXXX and XXXX ) corrects Assignee to Bank XXXX XXXX, XXXX. XXXX owned the mortgage not XXXX XXXX XXXX XXXX. Actually foreclosed on property including property not included in mortgage. The Motion for Default by Green Tree Servicing recorded XX/XX/XXXX uses date XX/XX/XXXX which was witnessed by court as accurate date. Green Tree Servicing LLC did not own mortgage, XXXX XXXX XXXX XXXX XXXX did as of XX/XX/XXXX. ( See Court Docket entry for XX/XX/XXXX Motion to Substitute Plaintiff Ditech Financial LLC XXXX XXXX Tree Serving XXXX XXXX XXXX XXXX XXXX Assigment dated XX/XX/XXXX. Numerous times XXXX included additional property in complaint that was not incumbered by mortgage. This complaint involves criminal theft of property not a part of mortgaged property, fraud, foreclosure abuse including embellishments of property value and condition by XXXX  XXXX XXXX, Green Tree Servicing, Shellpoint Mortgage Servicing, and XXXX XXXX. This mortgage was included in the XXXX XXXX Settlement involving XXXX  XXXX XXXX and XXXX other banks and overseen by independent monitor, XXXX XXXX XXXX XXXX, North Carolina Commissioner of Banks as it was XXXX of the modification applications in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I closed my Apple card two months ago. A return was made on to my card for {$150.00}. They have not returned it. I can not talk to anyone. I've been left on hold and transferred over and over again. I have no email to contact Apple at Goldman Sachs. All options for complaints are for banks and conglomerates. The hold times and transfers are used as a shield against returning client money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
XX/XX/XXXX  My loan with XXXX XXXX was transferred to Mr Cooper. I only know this because I got a letter from XXXX XXXX. No contact from Mr Cooper. 

I was able to use the Mr Cooper website to get my new loan number. 

XX/XX/XXXX  I then made a payment using my bank 's bill pay, but it was returned the next day XX/XX/XXXX  Tried calling Mr Cooper, but their phone system says my new loan number is invalid, there is no option to proceed without a loan number they think is valid. Note from above the loan number I'm using is the ONE THEY PROVIDE when I input my XXXX XXXX Loan number and SSN. 

Also tried their website live chat, it just says it's too busy to assist me with a real person. 

The website says my account won't be ready for online use until XX/XX/, but the mortgage payment is due today, XX/XX/. 

How can they take over the mortgage, and then not provide a way to make the payment before it is due? And no way to talk to a real person? That makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
1026.11 Treatment of credit balances ; account termination. 

Thank you for taking the time to read the contents of this letter. I am writing this letter because I took notice that my most recent credit report comprises a 100 % paid closed account as of XX/XX/2023 and would like to ask for consent of deletion of this hard inquiry to all three credit bureaus. My family has been a member of Sams Club for 13 years. During the pandemic, I was advised by a store associate to apply for a store credit card at my local Sams Club, I proceeded with the application and was approved for a store credit card. During the pandemic I fell sick to XXXX XXXX, spent weeks in the hospital and was laid off work. It became very difficult to maintain and keep up with credit card payments. The only negative inquiries tied to this account were a late payment in XXXX and XXXX of 2023. I have always been an exceptional customer of Sams Club, and this negative inquiry has made it extremely hard for my family to apply for new credit and receive higher approval chances for financing a new home. Please consider writing letter to delete this closed account from my credit report to XXXX, XXXX, and XXXX. I have always been a happy customer of Sams Club and I hope I can continue that relationship with you. Thanks! 

Kind Regards, : )

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 2023-12-01 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: TX

Complaint narrative:
I want Equifax to state if my account was one of the accounts involved in the lawsuit. My Equifax credit score is substantially lower than XXXX and XXXX by XXXX points using the XXXX XXXX XXXX XXXX Because of this substantial difference I was given higher APR on my vehicle financing resulting in a higher monthly payment. Further, the information on all three credit reports are the same this their credit scoring model seems odd, which leads me to believe that my account is one of the accounts involved in the coding error fiasco in XXXX. Further, Equifax is primarily used in other factors such as housing which can result in denial of housing credit products and housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I have an auto lease loan with KIA FINANCE AMERICA and my due date is every month the XXXX. On month of XXXX I missed my payment but intended to make the payment within few days. 
I came across with FDCPA law in particular XXXX Harassment or abuse along with XXXX Harassing, oppressive, or abusive conduct where the dept collector may not contact consumer more than seven times within seven consecutive days. 
During the period XX/XX/2023 to XX/XX/2023 the financial institution contacted me 14 times which is a violation of FDCPA section 806 ( 5 ) ( 15 U.S.C. 1692d ( 5 ). I am seeking compensation of {$1000.00} per violation base on 15 U.S. Code 1692k - Civil liability.

Attached you will find screenshots from my phone where the communications are circled. The financial company contacted regarding the same dept the other number on file with similar frequency. 

thank you for your effort resolving 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
Consumer complaint received 2023-12-01 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: LoanCare, LLC
State: NC

Complaint narrative:
Myloancare support has been non-existent. I haven't even made my first payment on my loan yet and the company 's website is down, nobody answers the phone. Literally zero information provided. There are reports the company was hacked, but I have not received a shred of information on what has been compromised and what to do regarding payments. 

This is how the banking system in this country is allowed to operate. Zero accountability with the public left XXXX in the wind. 


XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a business checking account with Wells Fargo and have had that account for about 7 years. The address for the account listed my Post Office Box. In the last few months I received a letter from Wells Fargo telling me that I need to change the address on the account because Post Office Box numbers are not allowed. I immediately went on line and followed the instructions in the letter to change the address. As far as I knew at the time the address was changed. Then I received another letter from Wells Fargo telling me I need to change the address on the account, which I thought I already did. So I called Wells Fargo and the representative I talked to said she checked the address and it was changed and everything was fine- the letter and change must have crossed. 

Then on XX/XX/2023, I tried to wire money from my business account to pay for an annuity payment for one of my clients. I received a notice that my wire could not be sent. I called Wells Fargo and they told me account was on hold because the address listed was not correct. I explained to them that I had changed the address and it was confirmed by a Wells Fargo employee. I asked for the hold to be removed and was told it could take 4-10 days. So in the meantime, I am unable to pay my employees and receive payments from my clients for the work I have preformed. Further calls with Wells Fargo has resulted in no action being taken on their part to remove the hold as of XX/XX/2023. This whole incident has caused me great stress that has affected my health- especially my XXXXXXXX XXXX XXXX XXXX XXXX. It has prevent me from paying my employees and from receiving payment from clients. Clients sending me payment are seeing the payment rejected and are incurring fees for the rejection. This is destroying my reputation that I have built practicing law for 24 years. Please help!

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 2023-12-01 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:
I submitted a final loan payoff on XX/XX/. A week later, my account showed a {$0.00} balance and then a few days later I was no longer able to see the account anymore. I noticed that my credit report was not being updated to reflect the payoff and my report still shows a large balance. I asked the company to send me a letter to prove I have paid it off. They sent me the letter and it indicates that it was paid off on XX/XX/. I opened a dispute with Experian but their result of the investigation says the information on my report is accurate despite the letter indicating the account is paid off. The company is not submitting the correct information to the credit bureaus after the account has been 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 2023-12-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
XX/XX/XXXX XXXX Account was transferred to XXXX. The phone number XXXX XXXX had was not in use any longer they kept billing me, when I went into the store in XXXX XXXX I was assured that I would not be charged any longer and if I was it would be cleared on the account since it was not a working number and it was closed. 
Now as of XX/XX/XXXX I receive a collection bill from TSI XXXX for an account that was closed 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 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Amex Platinum charges additional fees for cardholders. When I originally signed up, you could have 3 additional cardholders for XXXX. Now on my latest statement each additional cardholder fee is XXXX. I called to cancel the cardholders and they informed that I had 30 days to cancel the charge. I called in the 38th day. Seems to me that under Reg E if you have 60 days to review account statements that should be the same in change in fees. The additional cardholder has not used the card in 60 days so there has been no utilization at all in benefits as an additional cardholder. Shame on Amex. They are gauging fees in a way that is unconscionable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-01 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: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be Verified You are reporting inaccurate and/or incomplete information concerning me in consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following ACCOUNT you are reporting concerning me is inaccurate and/or incomplete : 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 2023-12-01 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: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be Verified You are reporting inaccurate and/or incomplete information concerning me in consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following ACCOUNT you are reporting concerning me is inaccurate and/or incomplete : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: KY

Complaint narrative:
this collection company has put this allaged debt on my consumer file without provideing and validion that i owe them any such amount futhermor under FDCRA laws 15 usc 1682 g no valadion that i even did business with this company this is not a verifaction request this is you have violted my consumer rights by obtaining my personal information without my consent futhermor 12 ufc 1006 this is agaist the law and my consumer rights and must be deleted from all bureaus now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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: AL

Complaint narrative:
I'm reporting on this complaint that I have found inaccurate information on my credit report and I demand you to remove it imminently because it is fraud and in violation of FCRA 15 U.S.C 1681i & 1681s-2. 
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 Remove all these indicated inaccuracies as soon as possible!

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 2023-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
Text and call me 100x a month, after I spoke to someone on the phone and told them this debt is wrong. I block the number and they call from a different number. This has occurred at least 7 times, They constantly harass me regarding a debt that is completely wrong.

The debt didnt even start with them, I do not understand how they constantly press me over something that is 1. ) wrong and 2. ) a debt they purchased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am deeply troubled to share the frustrating experience I have recently encountered with Navy Federal Credit Union. Despite the Internal Revenue Service ( IRS ) having sent them a letter to release the levy on my account two weeks prior, the bank still placed a hold on my account, causing significant and undue hardship. 

On XX/XX/2023, I was astounded to discover that Navy Federal Credit Union had placed a levy hold on my account, in direct contradiction to the letter sent by the IRS. Remarkably, the IRS had communicated with the bank on XX/XX/2023, instructing them to release the levy. This action should have precluded any hold being placed on my account, as per the predetermined 21-day window stipulated by the bank 's policies. 

Subsequently, when I reached out to Navy Federal Credit Union for clarification and resolution, I was instructed to contact the IRS directly. However, it is critical to emphasize that the IRS had already taken the appropriate steps to notify the bank of the levy release in advance of the 21-day period. 

This situation has caused immense frustration and financial strain, and I am deeply disappointed by the failure of Navy Federal Credit Union to honor the instruction provided by the IRS in a timely and responsible manner. As a customer, I expect appropriate adherence to regulations and an understanding of the impact such holds can have on individuals and families. 

I sincerely hope to see a swift and satisfactory resolution to this matter. It is imperative that financial institutions such as Navy Federal Credit Union take accountability for their actions and strive to alleviate, rather than exacerbate, the burdens faced by their customers. 

I will continue to pursue a resolution to this issue, and I trust that Navy Federal Credit Union will take the necessary steps to rectify this disconcerting situation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: GA

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

Company response to consumer: Closed with explanation