vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: SC

Complaint narrative:
In XX/XX/XXXX I set up automatic payments for my Flagstar XXXX from my bank account based on the first statement amount of {$2300.00}. 

In XX/XX/XXXX I received a delinquent notice from Flagstar. After researching the issue I determined the first statement was not based on a full month billing cycle. 

On XX/XX/XXXX I contacted Flagstar to bring my account current to determine the correct monthly payment. In my conversation with the agent, we agreed a $ XXXX payment was the right payment amount and confirmed the account was in good standing going forward. I adjusted my automatic payments to $ XXXX. 

Around XXXX XXXX, I received my XXXX statement with late fees. I immediately contacted Flagstar and the agent informed me they were applying my funds incorrectly. 

On XX/XX/XXXX, I contacted Flagstar and was informed I needed to pay {$5100.00} to bring the account current. This didn't align with the previous agent 's feedback but I felt pressure to make the payment and work through the details after as I didn't want additional reports on my credit record. 

On XX/XX/XXXX I sent a letter ( attached ) to Flagstar 's credit reporting organization explaining the confusion and miscommunication. Their response was to provide more details. 

On XX/XX/XXXX I sent a letter ( attached ) to Flagstar 's credit reporting organization explaining the confusion and miscommunication and reiterating there was never an issue with making the payment, just what the correct amounts were to make the account current. i encouraged them to listen to the recorded conversations with their agents to prove the accuracy of my intentions and statements. Their response was that their records were correct and they would not be making any changes to my credit report. 

On XX/XX/XXXX I sent a letter ( attached ) to Flagstar 's credit reporting organization asking for a goodwill adjustment. I explained all of my other creditors including two other loans with Flagstar have excellent payment records. 

On XX/XX/XXXX I received a letter declining my goodwill adjustment You will see through my transaction history ( attached ) that there was never an issue with being able to make the actual payments. All payments were made on time, the issue was understanding what the correct amount was. I put 100 % good faith effort into resolving the issue in a timely fashion and do not believe the negative reports on my credit report represent my creditworthiness and commitment to repaying debts.

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 2022-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
These people have been harassing me multiple times daily. I have 6 calls from them on XX/XX/2021 all before XXXX. They call me late at night. I repeatedly spoken with them and told them to stop contacting me because I am going through a legal process with the creditor they're claiming this debt is owed to. I have an upcoming court hearing this month for this matter. She would not identify who she was and was asking me to verify my information before she would tell me where she was calling from. Very rude!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Pacific Rim Alliance Corporation
State: WA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 states that I have the rights for privacy 15 USC 1681 section 604 A section 2.

It also states a consumer reporting agency can not furnished a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purposes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been working diligently for the past year to remove and clear files from my credit report. And I've worked hard. But now the issue is the fact that there are accounts that are closed and accounts removed but the Bureaus XXXX, XXXX and transunion have yet to remove these files from My credit report and update my credit report promptly. IT has been XXXX  months and no update and I would life for the bureaus to remove these files and all accounts showing closed and to update my credit profile promptly. 

THe following files need to be removed and credit report updated and I would like a copy of my credit report as well. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been working diligently for the past year to remove and clear files from my credit report. And I've worked hard. But now the issue is the fact that there are accounts that are closed and accounts removed but the Bureaus XXXX, Equifax and XXXX have yet to remove these files from My credit report and update my credit report promptly. IT has been 3 months and no update and I would life for the bureaus to remove these files and all accounts showing closed and to update my credit profile promptly. 

THe following files need to be removed and credit report updated and I would like a copy of my credit report as well. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: AAA Auto Title Loans, LLC
State: TN

Complaint narrative:
Well I took a small loan before covid, then when covid hit I had focus on primary stuff. Now I'm trying pay off debt and I'm seeing cash1 spike the payoff balance for almost XXXX when I only took out XXXX and this debt is two years old

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-01 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: EdFinancial Services
State: NC

Complaint narrative:
On XX/XX/XXXX I called Edfinancial to request a refund of payments I made on my account since XXXX of XXXX [ XXXX ]. I was immediately told it would take 5 to 7 months to get done and so what did I want to do? I asked why it would take that long. They had no information to offer and seemed to want me to say that I didnt want to go through the process. I said that I did. I was asked a few questions. Then I asked about confirmation that the request had been submitted and was told there was absolutely no way they could give that to me. I asked that at least an email be sent to me confirming that this conversation actually took place. The customer service agent said there was no way they could do that. I asked that they please double check. I was put on hold and then eventually told that there was nothing they could send me. At all. So I was supposed to just trust that 5 to 7 months from now a deposit would be made into my checking account and what if the request were to be lost? 

I then mentioned that I needed to change my last name on my account [ marriage ] and was told that they could send me an email with instructions on how to do that. Why can an email easily be sent about how to change your name but its impossible to send an email confirmation that a refund request has been made? Their current practices seem unreasonable, potentially illegal, and intentionally designed to dissuade people from requesting refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Theres a fraudulent credit inquiry on my credit report that needs to be removed Inquiry : XXXX Inquiry date : XX/XX/2022

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 2022-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
Hello, My mortgage co. is Freedom mortgage, I had forbearance program, after that I had 3 trial payments in XXXX, XXXX, and XXXX of XXXX  with an interest rate of 3.125 % I paid everything on time, in XX/XX/2022 they sent me loan modification documents, right before that my last name was changed from XXXX to XXXX, I contact the company in that regards and they told me to send the name change documents and they will change the name, I email the documents in XXXX XXXX since that time I talked to so many people at Freedom mortgage asking about my updated documents, everyone tells me something different, one person tells me not to pay after the trial and wait, and the other person tells me NO, keep paying your mortgage and I did, I call every 2 weeks or once a month whatever they tell me when to call asking about the documents. ( please see the calls log and comments ) and I requested a list from the company for all the call logs, you also could listen to all the calls because they were recorded by the company. Now they sent me new documents with an interest rate of 4.875 % I can't pay that much and I want to keep my home for me, my wife, and our XXXX children XXXX XXXX XXXX XXXX XXXX 
I need your help, I could afford the old payments of {$2700.00} but I will have a very hard time paying the new payments of {$3100.00}. it took Freedom mortgage over 4 months to send me the documents, and now they changed my interest rate. I have so many companies that called me to refinance with a very low-interest rate but told them I'm happy with my company and I have a 3.125 % interest rate. I am asking you and freedom mortgage to honor the 3.125 % because it was their fault for taking that long. 
Thank you, 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 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I was a victim of a scam, they offered me a job and also they hacked my email. My first problem was with XXXX XXXX, and also then XXXX XXXX XXXX. I have the complaint submitted to the police, the evidence and everything proving that I was a victim indeed. I didn't use any money or anything. Also I can't open a bank account and have a normal life for many years now. I need to fix this. The company is giving me vague answers and no help at all. Early warning is the reason I can't have a bank account like a normal human being, it's stressing and extremely upsetting at this point. Because they never seem to help out or have real responses over the phone or by mail. I want to be able to open a bank account, I was a victim of scam and hacking more than 3 times, money was removed from my other accounts many times and also I have this heavy load of not being able to open a bank account with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX has violated my rights. 

15 USC 1681 SECTION 602 States that I have the right to privacy.

15 USC 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: SC

Complaint narrative:
I don't know who this company is, the calls & texts are annoying, I don't have any business dealings with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
The original creditor XXXX XXXX XXXX  ( XXXX XXXX ) Account no. XXXX charged the original debt off and without my consent ( written or oral ) sold to Midland Credit Management. The law states : Consent is Required A contract can not be valid or legally binding unless consent is given. Consent, essentially, occurs when two parties mutually agree to form a contract with each other. Consent can not be given under pressure. If one or both parties provided their consent under duress, the contract will not be legal. 

Therefore, this amount that Midland Credit Management is trying to collect on is not mine. They made an account unbeknownst to me. Account no. XXXX. I have written to this company four ( 4 ) times to ask them for the original contract I signed and authorized with Midland Credit Management. ( Please see attached ). 

Also, they have been threatening to sue and that's against what Congress set as laws to protect the consumer. ( Please find attached ). 
XXXX False, deceptive, or misleading representations or means

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I received 4 emails from Ally Bank stating that my accounts have been restricted for suspicious activity on XX/XX/XXXX. I contacted them by phone and was never given a clear reason for the restriction. However, I was informed that there was no suspicious activity on XX/XX/XXXX and the account was restricted because an investigation was opened on a dispute claim that I had filed on XX/XX/XXXX when I discovered my debit card had been stolen. I believe it is important to note that I received a new debit card after the XX/XX/XXXX dispute claim and had no issues accessing my account until XX/XX/XXXX. I have contacted Ally multiple times to attempt resolution with no success. The information I have been given has been contradictory and inconsistent. I have been given multiple different deadlines for the investigation to be completed ranging from 10 business days to 90 days. I have requested the initial dispute be canceled because I obtained more information from my family that the charges were legitimate. I have requested to speak to the investigator and was told the investigators do not take calls. I would really just like to have this resolved quickly and regain access to my funds.

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 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

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 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for or 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 explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, 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:
The credit inquiries from XXXX XXXX on XX/XX/2021 and XX/XX/2021 were supposed to be soft inquiries. I did not apply for a mortgage, Nor do I have a mortgage on my credit report. 

The credit inquiry from XXXX XXXX was supposed to be a soft inquiry. I do not have a credit account with XXXX nor XXXX on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I am currently paying PMI on my house. Mr. Cooper -- my loan servicer -- told me that PMI would be removed ( at my request ) once I had paid off 20 % of the loan. In fact, XXXX XXXX, who currently holds the loan, lists that as the necessary requirement for having PMI removed. 

When I hit 20 %, I immediately contacted them. I was told the house needed to be appraised again ( this is NOT a requirement by XXXX XXXX -- they say it can be based on the original value ). Regardless, I went ahead and said yes. I was told an appraiser would contact me. 

The appraiser never followed up. I contacted Mr. Cooper today and was told my loan was reviewed and there decision was to not remove PMI. This was based on " no evidence of substantial improvements. '' I was never informed of this decision. I was NEVER asked to show any evidence of substantial improvements or show any documentation. We have made significant improvements on our home. Even with that aside, we have still paid off 20 % of the original price so there's no reason we should have PMI on the loan. At this point, Mr. Cooper is charging me and having me pay money for something I shouldn't be paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX I was approved for an auto loan from Capital One Auto Finance for XXXX  XXXX XXXX account number # XXXX original amount was about XXXX give or take and the end amount is XXXX. The account ended up going into collections and resulted in a charged off status. I've disputed the charged off with XXXX and it was removed, XXXX initially removed it and then placed it back on my credit report. And I've contacted XXXX about the inaccuracies through letters and have not received any letters back except the returned receipt which I sent a certified mail for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance One, Inc.
State: MD

Complaint narrative:
I had payment arrangement with Alliance One in which they were debiting my account via a bank card for a traffic violation with XXXX XXXX  XXXX XXXX. When I observed the debit for XXXX, XXXX, I reviewed prior statements and realized that they continued to debit my account long after the fine was paid. According to XXXX XXXX, the fine was paid XX/XX/XXXX and Alliance One continued to debit to XXXX. When I spoke to Alliance One, they said I am owed {$9.00} as an overpayment. My summons number is # XXXX. Alliance One states that the funds were forwarded to XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX XXXX states that they did not receive any additional funds. Alliance One telephone # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with fraud alerts or security freezes — 
Company: Essential Lending Inc
State: TX

Complaint narrative:
I was reported that personal loan was taken with Wise Loan for an amount of XXXX $ on XX/XX/2022 and deposited in my XXXX XXXX  XXXX account. 

I never applied the loan & i never received the amount to my XXXX XXXX XXXXXXXX account on that day. I have the proofs of XXXX XXXX XXXXXXXX account

Company response to consumer: Closed with explanation