vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I have had issues with Shellpoint Mortgage since they took over my family loan in XX/XX/2022. They started out by saying I was late several months until I filed a complaint and then suddenly I was only behind 1 month. This was still incorrect, but I mailed in payments in XXXX to cover that month, the month they said I was behind ( even though it was incorrect ) and checks to cover for the one that I stopped payment on in XXXX because they failed to cash it until a month later. They added on late fees for no reason and whenever a check is mailed without tracking, it is not cashed for several weeks later and is applied to the loan as a late payment... causing more fees. I have been using USPS Priority mail with tracking to their overnight processing since then for proof of delivery. I haven't had an issue with my payment checks being cashed during that time. Not wanting to spend the {$10.00} per mailing in XXXX, I sent a check to their normal payment address in Texas. And here we are again, a month later, and no sign of the check being cashed and they are sending default notices. I have received nothing but issues with Shellpoint because this account is in the Estate name of my late husband, XXXX XXXX. I assume that they are doing whatever they can to put us into foreclosure without warrant to cash in on the equity that we have accrued in a short time. However, I have proof of all cashed checks and delivery from all other months, so I am in now way, in default! I need for this company to get their record keeping straight once and for all and to credit my account for the payments that I do not owe and of course for those that I faithfully pay each month. Being a widow with XXXX children is hard enough, I don't need the run around from this company on top of that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: CA

Complaint narrative:
Unable to pay late fees do to financial discrepancies. 
Late fees effecting my credit score and financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Hello my name is XXXX XXXX im a victim of identity theft..I was incarcerated the time this account was open I have all the supporting documents far as police report, verification of release from my XXXX  and verification of release from police station ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from XXXX  and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was locked upthank you god bless

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: Oklahoma Student Loan Authority
State: AR

Complaint narrative:
Ok so a year ago I consolidated all my loans and they were transfered to XXXX. While making the transfer all my servicers were brought over except for Oklahoma student loan authority ( OSLA ). I am getting letters saying my loans didn't transfer from OSLA and I can not apply for a income driven plan due to no activity on the account. I have been renewing my IDR plan every year like I was supposed to so I didn't understand this. Also it shows these loans are at XXXX as well. I am very confused because I wasn't explained that this was going on I thought my loans were with XXXX and I had income driven plan already in place. I really need this IDR plan to stand as I have a family of 4 and can not pay a XXXX payment., I make XXXX gross a month. I pay all my obligations on time just for the basic rent, utilities, food, internet, phone. I make just enough to pay these obligations. Also OSLA has been reporting me to credit bureau since XXXX before the payment pause was lifted. There is something funny going on that has made it where half my loans are set up on IDR and other half can only be set up on a standard repayment plan. I really need OSLA to be looked into on fraud on my account and I should have all my loans set up on IDR plan and adjusted to my income so I don't become homeless paying down my student loans. 
Thanks, 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 2023-09-07 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
On or around XX/XX/XXXX my wife and I applied for credit at Toyota of XXXX ( Texas ) with salesman named XXXX who we specifically told we only wanted our credit ran once. Instead XXXX ran both of our reports a total of fifteen times with fourteen different banks. All of these hard inquiries resulted in both of our credit scores plummeting and not being able to qualify for a vehicle loan anywhere for years. 

On XX/XX/XXXX I decided to try once more with the same company because I really wanted a Toyota and unfortunately was given XXXX yet again as a salesman. I expressly told him very emphatically I only wanted my credit ran ONCE, but instead he ran it five times against my will further ruining my credit where I can no longer get a vehicle loan anywhere on favorable terms. I asked him and his general manager, XXXX XXXX to fix the problem but they refuse, even lying to me by saying all of the hard inquiries during a given period only count once, which I proved wrong by emailing them screenshots of my credit report clearly showing all twenty hard inquiries that were individually made by each bank they illegally submitted me to since XX/XX/XXXX. I have received no response from either of them. My credit is ruined because of their illegal and unauthorized actions which violate the Fair Credit Reporting Act. I would like justice to be served upon Toyota of XXXX, XXXX XXXX ( General Manager ) and XXXX ( salesman ) and all of the unauthorized illegal hard inquiries to be removed except for the ones that were legitimately allowed, which are two.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: MI

Complaint narrative:
I have reached out several times about an authorized user account that is showing up on my credit report that I did not authorize. I have stayed that I have no knowledge of the original account holder and I have asked that Equifax verify all information on the account and to provide proof that I have agreed to be an authorized user on this account. I have been providing no proof of this from either Equifax or the bank. 

The account in question is XXXXXXXX XXXX XXXX  account # XXXX XX/XX/2019. 

According to FCRA 15 U.S. CODE 1681 The banking system is dependent upon fair and accurate credit reporting. 

This account is not accurate and I would like it to be removed immediately. In addition to there being no proof provided that I have agreed to be a user on this account I have not been provided with any evidence of this account having any reason to be shown on my credit report and this is an error I would like corrected immediately. 
I have reached out several times and there is no notice of dispute on this account in addition it is showing as charged off but still reporting on time payments which is impossible for a charged off account. I am submitting evidence of these inaccuracies as I am submitting a screenshot of my credit report that shows this account is continually reporting as being paid on time while simultaneously reporting as charged off. I would like this account to be removed immediately as it is clearly inaccurate and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
A merchant accidentally charged me twice. I disputed the duplicate charge. Axos has blocked all transactions on my card from going through while the dispute is ongoing. They will not send me a replacement card, or unblock my account. When I try to transfer funds from this bank to another account so I can access they money, they are denying the transfers. It has now been almost a month and I can not get money out of my account. 

I have tried multiple times to call their support numbers, staying on hold for close to an hour. Each time, I end up getting directed to a different department and it goes in circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: AZ

Complaint narrative:
In XX/XX/XXXX I went to my local emergency room for care. I was sent via ambulance to XXXX, AZ for an XXXX. Since XXXX I have submitted my bill to the XXXX XXXX XXXX at the local XXXX XXXX XXXX for payment. This bill has yet to be paid. In XX/XX/XXXX I received a bill from XXXX XXXX XXXX XXXX XXXX XXXX for {$2200.00}. In XX/XX/XXXX I received a higher amount bill of {$2700.00} from a different creditor- Ability Recovery Services LLC . I requested for an explanation as to why the bill increased since the original amount was {$2200.00}. I disputed the amount. I never have received any written explanation from them. 
Similarly, in XX/XX/XXXX I received another bill for {$2700.00} from XXXX XXXX XXXX. Again, I requested for a written explanation and disputed the amount as well. Thus far I have yet to receive any explanation from either company even though they claim that no interest has been included on their billing statements.

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 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
We received a {$40000.00} check from our mortgage company on Tuesday XXXX XXXX XXXX 

We deposited the check on the same day in the afternoon with a teller at a bank branch, and we were told that the funds should be available the next day. 

We got an email that night confirming that a hold had been put on the check for the full amount because " check specific information indicates item may be returned ''. The email also confirmed that our funds would not be available until XXXX XXXX XXXX XXXX XXXX 

We called the bank the next morning, and we were told there was nothing they could do. We asked to speak to a supervisor, and asked if we could at least have access to some of the funds, and after a long hold, he told us there is nothing he could do. 

The hold seems excessive, and the bank tellers should be instructed to give more details about the possible hold.

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 monetary relief
Consumer complaint received 2023-09-07 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: PA

Complaint narrative:
I filed for temporary PSLF in XX/XX/XXXX. Mohela picked up my loans in XX/XX/XXXX and counts stopped in XX/XX/XXXX. My payments from XX/XX/XXXX through XX/XX/XXXX were missing. I tried numerous times to ask them to recount and they didn't. Finally on XX/XX/XXXX, I was able to speak with a supervisor. She stated they were 'just missing like no payments were made. '' However, I made payments in those 4 years. I had automatic deductions from my bank account. She then left me a message on XX/XX/XXXX stating that she submitted an 'escalated spreadsheet to FFA XXXX on XXXX XXXX XXXX XXXX and to 'allow for about 30-60 business days for any adjustments. ' I called couple of weeks ago and the supervisor would not speak with me but relayed a message through a rep that they hadn't received anything. I checked my counts today, XX/XX/XXXX and nothing has changed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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:
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.

has violated my rights. Or a list of inquiries : 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 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 2023-09-07 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: AL

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 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 explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I MADE A DEPOSIT INTO MY TD BUSINESS ACCOUNT ON XX/XX/2023 FOR {$100000.00} THEY PUT IT ON HOLD FOR 6 DAYS. AFTER THE 6 DAY I CALLED UP AND ASKED WHY I STILL HAVE NO ACCESS TO MY ACCOUNT. THE BANKER WHO OPENED MY ACCOUNT HAD NO CLUE WHY THIS WAS HAPPENING TO ME AS WELL. I THEN CALLED THE TD BANK CUSTOMER SERVICE REP AND THEY SAID THE SAME EXACT THING. " THEY HAVE NO IDEA ON WHATS GOING ON ''. AND THAT THE BACK OFFICE ARE THE ONES RESPONSIBLE FOR THIS. NOW THE BANK IS CLOSING MY ACCOUNT AND NOT LETTING ME KNOW WHAT IS HAPPENING WITH MY MONEY. IVE BEEN TO THE BANK MULTIPLE TIMES AND EVEN CALLED MULTIPLE TIMES. MY BUSINESS IS IN JEOPARDY OF CLOSING BECAUSE OF THIS. AT THIS POINT I FEEL I HAVE BEEN ROBBED OF MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Company name : XXXX ( sells solar panels ) Phone number : XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I applied for a deferred interest loan to purchase solar panels with this company. 
I cancelled the loan as of XXXX  and was told that it was cancelled and received a letter confirming the cancellation. The loan is showing up on my credit report as active as of today, XX/XX/XXXX and that I have a deferred payment not due XXXX 
I have contacted the company to dispute this record and they confirmed that this matter will be resolved on their end.

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 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hello, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was researching something for an assignment Im on and came across the CFPBs Consumer Financial Protection Circular dated XXXX. The situation described as a UDAP violation is exactly what occurred to me when I attempted to close my account at Regions Bank in late XXXX. Of course, they could have corrected that practice by now, but I do know that I was assessed {$170.00} in overdraft fees due to them reopening my account after I had already closed it. Regions stated that because I did not stop my bill pay items, that they reopened my accounts to pay my bills. However, I determined that there mustve have been an interface issue with XXXX XXXX pay software and the XXXX XXXX XXXX I was using, as I know for a fact that when I went to stop scheduled bill pay items there were none listed. However, Regions claimed that it was my responsibility to stop the bill pay items prior to closing my account, hence why they reopened it to pay the bills ( with the {$0.00} in my account? ). After so many calls being bounced between Regions and XXXX as they both blamed each other, I simply refused to pay the {$170.00} negative balance on the account. Regions offered to cut the amount in half that I owed, which I respectfully declined. Thankfully, I dont believe my negative balance was ever sent to collections or reported negatively to the credit bureaus. 

Of course, 2 years is a long time and the bank definitely could have stopped the practice by now, but I wanted to at least submit this complaint in the off chance that consumers were still being harmed.

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 monetary relief
Consumer complaint received 2023-09-07 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Inquiries that were investigated and supposedly verified to be valid. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquiries and all inquiries highlighted in the attachment are acts of fraud. Inquiries were not made by me nor did I give anyone to inquire on my behalf.

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 2023-09-08 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: Nelnet, Inc.
State: NY

Complaint narrative:
My federal student loans were transferred to the provider Nelnet. I have been unable to make payments since this change was made. 

Their website requires two-factor authentication but is unable to log in on web browser. After inputting the code it redirects me back to the login page every time. I have tried XXXX browsers on XXXX different devices. This has consistently happened over a month, trying on XXXX separate occasions. 

On the mobile app I was finally able to get into my account. When I went to make my first payment, it gave me error after submitting the payment. Again, I have tried to make payments on XXXX separate occasions and have been unable to pay my bill. 

This is unacceptable. How can my servicer not have a functioning website or payments system. They have a completely inaccesible support. I should not have this much trouble making payments on my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: World Acceptance Corporation
State: GA

Complaint narrative:
These accounts were opened without my knowledge or consent and I wish to have them removed IMMEDIATELY. These fraudulent items have caused my credit report to drop dramatically without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I received a text on XX/XX/ requesting XXXX XXXX to be sent to my friend XXXX XXXX through the cash app. I contacted XXXX directly and he said that he never requested any funds. He told me that other friends had also received a request. All of us had previously sent funds through the Cash App. I contacted the company, but they were unwilling to help me. They told me that XXXX would have to talk to them as it was his account that mustve been hacked. The problem with that is that my financial information and apparently others have been affected as well. The only remedy the cash I provided was the recommendation to block my friend from the app itself, which is not a remedy. I can only assume that we were not the only ones affected.

Company response to consumer: Closed with explanation