vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have an adjustable rate mortgage. Due to high interest rates I have been paying extra principal to reduce my interest charges. This has made the company upset and they have engaged in several acts to ensure that I pay more interest than they are entitled to. They consistently misapply payments. Hold payments in escrow for days before applying them, and using the funds to pay expenses that are due at payoff instead of using them to pay down the principal. 

The loan is scheduled for an interest rate change in XXXX with a new payment due on XX/XX/XXXX. In XXXX I received the notification of this change, with an anticipated principal balance of just over {$7000.00}. I made a principal reduction payment which reduced the principal balance on the account to {$4900.00} on XX/XX/XXXX. I called the company and asked them to update the required monthly payment and apply the new interest rate to my actual loan balance as of XX/XX/XXXX. This change would reduce my required monthly payment by about 50 %- which is important to me for my cash flow. 

The company has refused. Pretty much they have indicated that they do not care what the correct loan balance is on XX/XX/XXXX or XX/XX/XXXX- they are going to use the balance that they have selected to base the monthly payment calculation. Even though they are aware this information is correct. 

My loan balance is small but I this is obviously a pattern and practice of this company to use incorrect principal balances upon which to calculate monthly payments, without regard for the veracity of this data. This practice to lead to foreclosures, etc. especially in these times where cash flow is a big issue for most Americans. 

I just want this company to stop ripping off consumers and use accurate data to calculate the monthly payments for customers.

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 2024-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX a hacker hacked an investment app I use called XXXX. XXXX has my Chase checking account linked to it, because it drafts a percentage of my transactions to put in an investment savings account I have with XXXX. The hacker hacked the XXXX account and created a virtual card using the debit card service on the app. They made multiple transactions to a vendor in XXXX. I live in XXXX, Texas, and have never been or know anyone in XXXX. The hacker also took out a credit builder loan through the XXXX app. I contacted both companies, XXXX and Chase to submit disputes. Chase closed the disputes saying XXXX showed proof they were all legitimate purchases. When I contacted XXXX said their disputes were not even finalized yet. The hacking to my account happened XX/XX/XXXX and XX/XX/XXXX where they stole my full direct deposit. I have yet to retrieve my money back from either party. Chase has closed their disputes, reversed any credits, and is not helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dates are incorrect closed in 2017 and than reoped with dates changed

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 2024-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-06-11 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: SD

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

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 2024-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
My bank statement ( XX/XX/year> ) on page XXXX, NewRez Shellpoint XXXX XXXX XXXX XXXX of {$1700.00} see bank statements attachments On ( XX/XX/year> ) I called in to get a verbal agreement ( confirmation # XXXX ) for NewRez to withdraw on the same above account on ( XX/XX/year> ) you did not make the withdrawal, the money was in the account awaiting your withdrawal of which you did not ( to that end ) you terminated her trial period. 

NOTE : My file ( XXXX ) exceeded ( XXXX ) I will forward the 30 pages to Shellpoint Mortgage/NewRez to make sure they get it by emailing : XXXX XXXX and 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 2024-06-11 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: AZ

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me.

Deletion of the trade-in entry from all credit reporting agencies where it is currently listed.

I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars.

Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice.

Please send all correspondence related to this matter to the address listed above.

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 2024-06-11 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: AZ

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me.

Deletion of the trade-in entry from all credit reporting agencies where it is currently listed.

I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars.

Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice.

Please send all correspondence related to this matter to the address listed above.

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 2024-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada)
State: AZ

Complaint narrative:
In XXXX I had a XXXXXXXX XXXX XXXXXXXX XXXX from an on the job injury where I hurt my knee. Based on my knowledge all the hospital and medical bills had been paid and I had moved on from it. 
4 years later ( XX/XX/XXXX ) I found out about several bills that were turned into a collection agency for non payment because they were reported to my credit and dropped my scores by over 100 points!

I immediately contacted the collection agency to find out what the bill was for and was told it was anesthesiology. So I asked the representative, XXXX, to send me a copy of the bill so I could send it to my XXXX 's comp case manager to get it paid. 
XXXX said she would send it, but I never received the bill. 
I called the collection agency again and spoke with another representative named XXXX and he said that he was going to call the claims rep directly and get the bill sent to him so that it could get paid. 
Again, my XXXXXXXX XXXX XXXXXXXX rep told me that he hadn't received anything. 
Not knowing what else to do, I decided to get the credit bureaus involved to see if they could get the collection agency to provide me with a copy of the bill. 
I sent a written request to XXXX, XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I have not received any responses from the credit agencies or from Allied Collection Agency. 
Someone told me about the CFPB and how the CFPB is supposed to help consumers so I decided to give this a shot.

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 2024-06-11 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts 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 explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
My Chase credit card was used for a fraudulent charge ( {$99.00} ) for some type of software. I was unaware of the charge because I'd paid that card off and wasn't using it. Then, in about XX/XX/year>, I started receiving collection calls from Chase Cardmember Services. I was advised of the charge and that it was past-due. I advised Chase that my Chase card had a XXXX balance and that the charge was fraudulent. They advised me to contact their Fraud Department. The following day, I contacted the Chase Cardmember Services Fraud department by telephone and told them that the charge for XXXX software was made without my knowledge or consent. I was put on hold several times and ultimately transferred back to customer service. At that point I made the decision to contest the charge and Chase 's collection practices. On XX/XX/year>, I mailed a letter to Chase advising of the fraudulent charge and formally contesting the validity of the charge. Chase 's response to my letter was dated XX/XX/year>. At this point, the balance due is {$160.00}! In their correspondence to me, Chase apologized for any inconvenience ( disingenuous platitudes, in my opinion ) but stated, " We are unable to waive the balance from this account. '' Chase is in violation of the FDCPA and FCRA. This is not about the money at this point ; it would have been much easier for me to simply send them a check and be done with it. This is about due process and rule of law. I've informed Chase of the fraudulent activity on my account and they essentially ignored the information and continue their illegal collection activities ( phone calls and mailed correspondence ) to this day. My FICO scores have been negatively impacted and as a consumer my rights have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I attended the XXXX XXXX from XXXX to XXXX. I was told I could no longer qualify for federal aid so private loans were my only option. They also lied to me and said that they would help me if I couldn't afford my private loan payments and the lender would also help. All that has happened from the time I left to now, is my private loan balance has almost tripled in amount due to the constant deferment and forbearance throughout the years. After Sweet vs. Cardona, my federal student loans were forgiven as the XXXX XXXX and XXXX were found guilty of falsifying information such as graduation rates, employment rates, and projected income rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: IL

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.

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. 1681s-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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: NY

Complaint narrative:
We received your complaint. Thank you.

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT 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 XXXX  Acct. # XXXX XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX XXXXXXXX ACCT # : XXXX XXXX XXXX XXXX XXXX  ACCT. # : XXXX XXXX. XXXX / XXXX XXXX  ACCT. # : XXXX XXXX XXXX XXXX XXXX XXXX ACCT. # : XXXX XXXX. XXXX XXXX XXXX XXXX ACCT. # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCT. # : XXXX XXXX XXXX XXXX XXXX XXXX ACCT. # : XXXX XXXX These accounts has violated my rights. 15 U.S.C 1681 SECTION 602 A. Clearly 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 1681S-2 ( a ) ( X1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing 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 2024-06-11 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 was never late! I have had exceptional payment history with 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 myaccount 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 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