vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I contacted Southwest Recovery Services to have them no long report to credit reporting agencies an amount ( that has already been paid off ) as showing an outstanding amount due.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
They charged an interest fee claiming that my payment was received on XX/XX/XXXX and not on XX/XX/XXXX. In an initial call they would not reverse the charge. I verified with my bank that they had in fact receieved my payment on XX/XX/XXXX. In a subsequent call they did reverse the charges but suggested that I pay earlier than the due date. They have done the same thing in the past. They good news for me is that I had already made the " minimum Payment '' so was not subject to a late fee. I believe that this is a patern of behavior intended to collect fees and charges

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 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2024-03-21 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I have had an issue repeatedly with my Target Redcard Credit through TD Bank where my payments are being made, posting on my checking account AND my Redcard, but my available credit is not being updated. I have contacted Redcard services several times and have just been told that they cant update it. When calling they have just stated that the payment, despite showing up as posted on my end, is still pending in their system and there is nothing they can do to update it. Again, at this point the funds have already left my personal checking account, been received by TD Bank and are listed as posted in my Redcard account. This has happened several times now. My last XXXX payments are currently still not reflected in my available credit. When I had this issue previously a payment that I made on XX/XX/2023 that was posted on XX/XX/2023 ( in bothe my personal bank account and Target Redcard ) did not go back on my available credit until XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
In XXXX of this year I received a notice from Round Point Mortgage who recently started servicing my loan that my hazard insurance had lapsed and I would have to buy insurance through them if not taken care of. My hazard insurance is supposed to be paid by my escrow account. 

I paid for the insurance using my credit card and then called roundpoint. They asked for documentation and I sent them the policy info ect. I explained that I am now out money because my escrow account failed to pay for my policy and I had to pay out of pocket.

Some days later I received a call from roundpoint and they understood I wanted to add another policy to my escrow account. I again explained no, this has always been paid by my escrow account. They said they would have to undertake an escrow analysis to pay me back now.

A few weeks later ( XX/XX/2024 ) I received an escrow analysis in the mail that showed my hazard insurance on there XXXX. Partly this is because my policy number changed at the california fair plan. Now that its on there XXXX  and because its {$2000.00} a year I am now paying above and beyond in my escrow account to accomodate the XXXX  policy. 

I called Roundpoint again. It has not been a couple months of having the insurance payment on my credit card gathering interest. This time I said if not fixed I would contact the CFPB. They escalated me to a specalist that would fix the issue. The person identified that there is a XXXX  of my fair plan policy in my escrow account. They passed me off to someone else who again said they would have to do an escrow analysis.

I just received my escrow analysis and the XXXX  of the california fair plan hazard insurance is still on there and the extra escrow money is still included in my payment. I'm unsure what to do at this point. They can not fix my 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 2024-03-21 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: TX

Complaint narrative:
My identity was stolen the crook opened up multiple accounts in my name I attacthed documents in this Complaint with date and names of all the companies the crook obtained credit with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: NJ

Complaint narrative:
I am reaching out to request an update of my personal information with XXXX, XXXX, and TransUnion. Recent changes, including updates to my name and address, require alignment with my current identification. Despite previous attempts, discrepancies persist. Ensuring accurate information on my credit reports is essential for my financial well-being. Your assistance in rectifying this matter promptly is greatly appreciated.

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 2024-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: HEARTLAND PAYMENT SYSTEMS INC
State: HI

Complaint narrative:
1. Called Ecsi and asked them how to fill out the perkins loan forgiveness for in XXXX and they told me to use one form and to write down for 5 years instead of 1. 
2. Followed directions sent in forms in XX/XX/XXXX. Said they never received so I sent again 4. Said I sent to wrong ECSI department so the forms could not be processed. 
5. Sent forms to the correct address and no reply. Called and they said they received nothing. USPS says they did. 
6. Contacted XXXX and they sent in the forms for me by FAX to ECSI and also the Department of Education on XX/XX/XXXX 7. Talked to them on the phone today XX/XX/XXXXXX/XX/XXXX and they say they never received anything. Also I sent a payment because of the threatening letters and calls and they say they never received. Payment for XXXX dollars sent on XX/XX/XXXX to the DOE oregon address. 
8. Said I must send them a copy of my bank statement proving I paid or I will keep getting the threatening phone calls and letters. 
9. I have spent over a hundred dollars sending this mail to them express and also priority mail

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: IL

Complaint narrative:
According to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Can you verify the paperwork? Some of the specified accounts are incorrect concerning their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: FL

Complaint narrative:
We have got a loan from BHG on XX/XX/XXXX. 
I had spoken to both XXXX XXXX and XXXX XXXX XXXX XXXX about returning the borrowed loan back after some days of receiving the funds. 
It was to no availed and I was told due to part of the agreement I may not have access to returned it back, the loan has an UCC-1 affiliation to it ; thus I have contacted both of them about processing my commercial vehicle equipment ( XXXX XXXX XXXX XXXX as a ransom for the remaining unpaid amounts. I have not heard from them ever since then after I have presented that option to them. 
Our XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hence I couldn't come up with due balances and our company haven't recovered yet from those financial situations. 

We have just got served earlier by an agent of the XXXX XXXX XXXX, we had found a Civil Lawsuit was filed against on BHG behalf by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) We still have the commercial vehicle at our disposal awaiting them for it use it as a collateral asset for their loan and unpaid balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I purchased a real estate course from XXXX XXXX for {$190.00}. I mistakenly decided to use Affirm to make payment for {$36.00} for 6 months. Within days of my account being open they called me and told me that someone tried to purchase 2 XXXX XXXX aand XXXX on my account. Within a week they had charged the full amount of {$190.00} to my bank account. I have contacted XXXX about the issue and they have cancelled my course. Now I am being harassed daily by affirm asking me to pay for something I no longer have. They need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: OH

Complaint narrative:
I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: TX

Complaint narrative:
I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate and according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates, XXXX. ) XXXX XXXX XXXX XXXX XXXX ( XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ) I sent a letter on XX/XX/2024 asking them to Reinvestigate the completeness and accuracy of the accounts listed but TransUnion is making it hard for me to submit my dispute they keep saying I sound like a credit repair company or ask for more identification Can you look into this problem

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 2024-03-21 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: TX

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

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 2024-03-21 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: TX

Complaint narrative:
I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate and according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ) XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ) I sent a letter on XX/XX/2024 asking them to Reinvestigate the completeness and accuracy of the accounts listed but Equifax is making it hard for me to submit my dispute they keep saying I sound like a credit repair company or ask for more identification Can you look into this problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I recently received a copy of my ( XXXX, XXXX, XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( American Express ) Making the report is NOT INCLUEDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ American Express ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from my consumer report ( all 3 bureaus ) immediately. 
Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the actions of LMMINC, a collection agency, which I believe are in violation of several consumer protection laws and the Health Insurance Portability and Accountability Act ( HIPAA ). The specific laws allegedly violated are : 12 CFR 1006.34 ( b ) ( 5 ) : This regulation prohibits unfair, deceptive, or abusive acts or practices by debt collectors. LMMINC has violated this provision through unfair, deceptive, or abusive practice, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This section pertains to the communication tactics of debt collectors.

12 CFR 1006.34 ( d ) : This regulation addresses the validation of debts by debt collectors. I believe LMMINC has not adhered to the stipulations set forth in this section 15 USC 1681-S2 ( 7 ) ( A ) : This provision of the Fair Credit Reporting Act ( FCRA ) prohibits the reporting of inaccurate information to consumer reporting agencies.

HIPAA : Additionally, LMMINC may have violated HIPAA regulations by disclosed protected health information ( PHI ) without authorization I demand the immediate deletion of the account associated with LMMINC, from the records of both LMMINC and any credit reporting agencies. This demand is based on the identified violations and in accordance with my rights under the aforementioned laws. I appreciate the attention of the Consumer Financial Protection Bureau to this matter and your commitment to upholding consumer rights. 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 2024-03-21 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: FL

Complaint narrative:
I am writing to file a complaint against XXXX XXXX regarding their failure to comply with my opt-out request to stop reporting account information to non-affiliate third-party credit reporting agencies, namely Equifax, XXXX, and XXXX. 

On XX/XX/2024, I sent a written opt-out request to XXXX XXXX XXXX requesting that they cease reporting my account information to non-affiliate third-party credit reporting agencies. This opt-out request was sent in accordance with the Fair Credit Reporting Act ( FCRA ) and the regulations outlined by the Consumer Financial Protection Bureau ( CFPB ). 

Per FCRA regulations, XXXX XXXX was provided with a 30-day window to respond to my opt-out request. However, to date, I have not received any response from XXXX XXXX, nor have they taken any action to stop reporting my account information to the aforementioned credit reporting agencies. 

This failure to comply with my opt-out request has resulted in continued reporting of my account information to credit reporting agencies without my consent, which is in violation of my rights under the FCRA. 

I request investigation into this matter and take appropriate action against XXXX XXXX for their failure to comply with my opt-out request and for violating the provisions of the FCRA.

Company response to consumer: Closed with non-monetary relief