vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: FL

Complaint narrative:
To whom it may concern ; My name is XXXX, XXXX ; I a widow with XXXX XXXX  children, whom the XXXX XXXX old is XXXX XXXX Im also a victim of identity theft which my personal information were fraudulently use to obtain good/services ; as a result of this companys financial breach. 

I am writing this letter to bring to your attention the concerning and frustrating experiences, I have had with my mortgage servicer Loan Care. I believe that the practices of this company are not only unethical but also potentially in violation of consumer protection laws. 

I have been a customer of Loan Care for almost XXXX years, and during this time, I have encountered numerous issues that have caused me significant stress and financial hardship. Some of the key issues include : 1. Identity Theft, Inaccurate/ Excessive fees : I have consistently been charged fees that do not seem justified or have been applied in error, leading to financial strain. 

2. Poor communication and customer service : I have encountered difficulties in reaching a knowledgeable and helpful representative when trying to resolve issues or seek information about my mortgage account. 

3. Mishandling of payments : On multiple occasions, I have experienced errors in the processing of my mortgage payments, leading to confusion and potential damage to my credit score. 

4. Lack of transparency : I have found it challenging to obtain clear and accurate information about my mortgage account, including the breakdown of fees and charges. 

These issues have caused severe financial, emotional and social hardship to my household ; which significantly impacted my ability to manage my finances and maintain confidence in the mortgage servicing process. 

I have made multiple attempts to address these concerns directly with Loan Care Customer service via email/ phone, but I have not seen any meaningful improvements in their practices ; instead my account is now in delinquent status subject to foreclosure. 



I am reaching out to your office in the hope that you can investigate these matters and ensure that Loan care complies with all relevant consumer protection laws and regulations. I believe that the practices of this company may be in violation of [ specific laws or regulations if known ], and I urge you to take action to protect the rights of consumers like myself. 

I would be grateful for any assistance or guidance you can provide in addressing this matter. I am willing to provide any additional information or documentation that may be helpful in your investigation. Thank you for your attention to this important issue. I look forward to a swift and thorough resolution to these concerns. 


Sincerely,

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 2024-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong 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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong 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 2024-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: MD

Complaint narrative:
Unfortunately, I was a victim of Identity Theft in XXXX. I didn't find out until mid XXXX. I had a Fraud Alert attached to my Credit File when I noticed I was a victim of Identity Theft in XX/XX/XXXX. After checking my Credit Files, I noticed I had some erroneous charges and accounts that were fraudulently added to ALL of my Credit Files. I am attaching a copy of my Identity Theft Report to validate my claim. 

Per 15 USC 1681 ( c ) ( 2 ), BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. Unfortunately, my personal identifiable information was compromised and used to open 2 fraudulent credit card accounts. I was a victim of Identity Theft. I am attaching my FTC Identity Theft Report to have these 2 accounts removed from my credit file by this Creditor. There are 2 addresses on my credit file that I do not recognize and they need to removed too. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX ) These accounts need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
My mortgage was recently transferred from XXXX to Mr Cooper and my escrow payment was increased by Mr Cooper. My payments were set up on autopay through my bank ( XXXX ). When I increased the auto payment to include the new escrow amount, XXXX accidentally sent double payments to Mr Cooper ( {$1200.00} XXXX XXXX on XX/XX/2024 ). Mr. Cooper has an automated system that does not allow human contact. I am placed in an endless loop of AI that simply provides " canned '' responses. As such, Mr Cooper refuses to return my double payment, or even speak to me about how it is applied. My girlfriend and I have over 14 mortgages on real estate and Mr Cooper constantly provides the worst customer service of all. {$1200.00} is a lot of money and I feel that Mr Cooper has an unwritten policy to wrongfully retain such funds in order to increase their earnings by way if interest earned. I need my money back. As a side note, XXXX has closed their file and will no longer support me and XXXX 's position is that Mr Cooper received the funds and must return them. Thanks

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-19 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:
I was a victim of the Equifax data breach and Equifax actually admitted to it. My information was sold and bought illegally. I want these negative things removed from my credit reports. this has been ongoing since XXXX  and I have spent endless hours and years trying to fight this activity. Below is my proof I was affected by the data breach Your claim form has been submitted successfully Your claim number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I am writing to dispute the inaccurate reporting on my credit report pertaining to the alleged debt associated with the account XXXX. It has come to my attention that there are multiple discrepancies that need urgent resolution. I have observed that both Lendmark Financial Services and the collection agency XXXX XXXX are reporting the same alleged debt. This constitutes a violation of the principle of double jeopardy. Discrepancies exist in the balances reported by Lendmark Financial Services and the aforementioned collection agency. I am confused as to how one account reports a balance that is {$600.00} more than the alleged debt. These inconsistencies need clarification. To date, I have not received proper validation of the alleged debt. You have failed to provide the necessary documentation, including the 1099-C form and the forward flow agreement form, to substantiate the legitimacy of the debt. The inaccurate reporting, failure to validate the debt, and discrepancies in reporting balances are clear violations of the Fair Credit Reporting Act ( FCRA ). I am formally requesting the removal of this entry from my credit report to rectify these violations promptly. If these matters are not addressed within 30 days as per FCRA, I reserve the right to pursue legal action to seek damages for the violations under the FCRA. Please consider this complaint as a formal notice of dispute as per the requirements of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: MOHELA
State: HI

Complaint narrative:
Today I contacted Mohela at XXXX XXXX at XXXX I was on hold for customer service for XXXX hour and XXXX minutes before Mohela automatically hung up on me. 
I called 2 more times. Same result. 
Contacting Mohela is very difficult. I need to figure out how to pay the so called " past due '' amount. I keep paying them via their online platform and they keep saying I am still late. This month they are saying I am late. IMPOSSIBLE! I am paying what they are telling me to pay! Including whenever they say I am late. 

I was told by a financial advisor to look into consolidating my loans so that I can be granted another loan servicer. I am in the process of doing that. I am sick and tired of this every month! The amounts change from month to month and the automated system says I owe {$97.00} dollars for this month, but the bill for this month says {$100.00}. 

Then it says I owe {$56.00} past due since XX/XX/2023. I paid what the website said what was due!!! 

When I try making a payment via the automated service, I wait for the long automated update regarding long wait times and that they are transferring my account to a new platform and that I should wait for them to contact me. So, I press 1 to make a payment and then press 2 to pay specifically my so called " past due '' amount. When I press 2, it automatically takes me to customer service and then the long wait begins again. After waiting a long time, the call is suddenly disconnected by Mohela. 

When I pay my bill -- - the " current amount '' is only paid. There are no options on the website or way to confirm that I am paying both the so called " past due '' amount along with the current. I do not even know how I am past due as I have been paying monthly. 

Please help! This company is clearly connected to financial predatory practices and stakeholders. This can not be possibly legal or ethical. I am trying to pay my student loans and this company is willfully or unwittingly sabotaging these attempts. XXXX XXXX XXXX XXXX and have been for almost 7 years. I am not looking for a free ride. I just ask to please not let Mohela prey on me!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
Requested to have add ins removed from loan and was told couldnt it would. Disqualify me from my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am a victim of extensive identity theft, and I DID NOT MAKE OR AUTHORIZE THESE CHARGES. Someone has been impersonating me and using my stolen identity for housing, loans, and credit cards. In addition, my purse was stolen that had my passport, phone and wallet -which included my social security card and drivers license. Also, this person has my phone number ; therefore, I will be changing the phone number on my Fraud Alert with the credit reporting agencies as they are required to contact me before approving any credit or loans. This person has taken advantage of me working and teaching abroad in XXXX and has used my information in the states while I was gone.

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 2024-01-19 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:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: MD

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.

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 2024-01-19 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:
Couldnt provide documentation, account is innocent inaccurate please delete proof in pdf conversation with company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I did a bill pay into my XXXX from Capital One 360 into my XXXX XXXX XXXX account for {$22000.00} on XX/XX/23. A couple weeks prior to that I did the same type of transaction for {$100.00} which went through as a printed check, the payment of {$22000.00} went through as an electronic payment for some reason and my XXXX does not accept electronic payments. I have spoken to Capital One extensively and they said they processed the payment and they gave me a proof of payment- they can not confirm it was received. XXXX XXXX has no record and researched it and found that the routing number is a XXXX routing number. I can not get anyone at XXXX to look into this for me, Capital One is also not helping me. Please help. The transaction posted on XX/XX/23 and {$22000.00} was removed from my account and now is nowhere to be found and I am getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Upon making a payment to my Sam 's Club and JC Penney credit card accounts, I discovered that my card was closed. I did not receive any documentation from their issuer, Synchrony Bank. Upon contacting them, I did not get a clear understanding and as to why. It seemed as though I'm being discriminated against by the credit issuer as I have encountered unpleasant calls to them when I had to get XXXX cards issued to me due to theft of my vehicle and my apartment being broken into in XXXX of XXXX. Things were never the same with Synchrony Bank after that. I'm a woman of XXXX who used these accounts for business purposes and now have to resort to other options. This will permanently damage my credit and will lead to more discrimination by other credit issuers.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: PA

Complaint narrative:
I placed a freeze on my accounts with LexisNexis and requested a credit report from their agency ; however, I have not received any communication via email or postal mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My account/card was used while I was on XXXX for the XXXX XXXX XXXX XXXX They used {$16000.00} within the span of a month. I reported this immediately to the company when I returned only for them to deny my dispute multiple times due to the amount. I sent supporting documentation as well as identity documents to verify that I was not at fault. Multiple agents who filed my claims even said verbatim " You should have your money back very soon these documents are the ones that will show the fraud team you did not do this ''. This card was loaded with my XXXX  benefits I fought hard for from being in California. My family and I have been homeless living under the authority of others because we can not afford anything without this money.

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 2024-01-19 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: TN

Complaint narrative:
i was in a very XXXX  relationship with my XXXX  husband who is now serving XXXX XXXX for his actions against XXXX  and my XXXX. i found several accounts he opened in my name that i had no knowledge of or had given permission to be opened. 
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. 

a ftc report has been filed and is attached to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
On XX/XX/year> I reached out via written correspondence to XXXX and ReDebt Automated Collections LLC inquiring proper and accurate validation of a collection reporting on my consumer report. XXXX and RentDebt Automated Collections LLC has fail to provide accurate validation of collection debt and refuse to comply with all consumer laws.

Company response to consumer: Closed with explanation