vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear everyone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG PAYMENT HISTORY WRONG DATE OF LAST PAYMENT RECEIVE WRONG COMMENT ON XXXX SUPPOSE TO BE THE SAME AS EQUIFAX ASKED FOR PAY DOCUMENTS & they sent charges TO THE ACCOUNT NOT MY PAYMENT SUCH AS BANK NAME OR ROUTING. This is a violation THIS ACCOUNT HAS BEEN RE-AGED XXXX different DATES THIS ACCOUNT SAYS I HAVE A MONTHLY PAYMENT ON EQUIFAX BUT NOTHING ON XXXX XXXX WRONG CREDIT LIMITS ON BOTH CREDIT BUREAUS Send payment from XXXX cause i have XXXX dates on payment received should only be on last payment date & not charges to the account bank name or route number Payment history is invalid or incorrect/ inaccurate. XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate on my credit report 90 days on XXXX & 60 days on equifax different worst payment different last reported & different last payment. No account type. Im sorry but this account inactive doesnt want to update please delete this account for frca rights 90 DAYS LATE ON XXXX & 60 DAYS LATE ON XXXX THIS ACCOUNT IS INACCURATE COMMENTS ARE WRONG ON XXXX & NO ACCOUNT TYPE ON XXXX BUT XXXX HAS IT & I ASKED FOR last PAYMENT & THEY SENT ME CHARGES NOT MY BANK INFORMATION OR ROUTE NUMBER DEBT NUMBER SOMETHING NOT NO CHARGES BUT THIS ACCOUNT CONNOT BE VERIFIED Please delete both account due to incorrect inactivity inaccurate information I just want these accounts deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
First, none of the categories on the previous screens did not describe my issue. I have an account with Experian and I have noticed a pattern. XXXX month I will get an increase in my score by XXXX to XXXX points. Then I'll get a decrease by the same amount of points. Then in the next month or so, my score decrease by XXXX points. I recently received a message which read " Your FICO Score has decreased XXXX points to XXXX. Even though your FICO Score went down, your Credit Rating did not so it should not impact your credit worthiness. '' I checked my credit report and there was no fraudulent activity. I did not make any transactions and my current payments are up to date. I don't understand the major decrease in my score. Their message above states that my " credit worthiness '' should not be impacted. When there is a credit check done, merchants can only measure my " credit worthiness '' by my score.

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 2024-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and also with no explanations about the issue. 

Date of the suspension : XXXX Merchant ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: MI

Complaint narrative:
The old balances from my XXXX college were discharged through the the federal governments recent forgiveness program. The old accounts were discharged, and are still showing a derogatory status on my credit report. 

Secondly my current student loan balance is showing {$78000.00} on both my Ed Financial and Student Aid.Gov.

My student loan balance in my XXXX account is showing {$180000.00}. This inaccuracy is severely damaging my credit report, and has caused my credit report to drop over XXXX points. 

I am trying to buy a house, and I can not, due this error. I have repeatedly contacted both Ed Financial, and XXXX  to request them to update this, and they tell me that they are reporting every month. 

I am furious that these companies have the power to keep these errors on my report. 

Please assist me. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
My home was in the pre-foreclosure phase and was sold as a regular sale - not a short sale on XX/XX/2023. Leading up to the listing, I requested a payoff so that I could set a good price for the home. When the home was under contract I requested another payoff for the anticipated closing date XX/XX/XXXX. The closing was postponed 5 days beyond the " Payoff Good Thru Date '' on payoff # 2 which was XX/XX/XXXX. Payoff # 3 had a Payoff Good Thru Date of XX/XX/XXXX which was 23 days after my closing. This is a multi-part mortgage payoff refund. Part 1 is the 23 extra days of interest on the mortgage. 

Part 2 is because the Escrow portion of the loan payoff was never pro-rated to just the 4 days I owned the home in the Quarter for the purpose of Real Estate taxes and other Escrow items. The quarter began on XX/XX/2023 and my closing was on XX/XX/2023. I paid for the entire quarter of Escrow but this was too much. 

This was obvious to me even before the closing was completed because the difference between the Escrow portion of payoff figures in # XXXX vs # XXXX were huge despite the home only being owned until XX/XX/2023. If you compare the payoff figures between # XXXX vs. # XXXX vs. # XXXX and take into consideration the amount of time that would impact the increase in payoff dollars, the amounts do not make sense. 

I called M & T bank before the closing and was told it would be reviewed about 2 weeks after the payoff was fully processed. They estimated the payoff would take 2 weeks so the overpayment should have been completed by early XX/XX/2023. 

While I realize there are waiting periods for M & T Bank to respond, I have already sent them a written formal complaint via certified mail on XX/XX/2023. M & T bank has acknowledged receiving that complaint but constantly gives me the runaround indicating that a different department is handling it and then promising to call me back in a few days but never does. 

This is ridiculous. The pro-rating of a payoff is not a difficult process and it is done by banks and title companies many times a day in the course of selling homes and accepting other types of final loan payoffs. 

I have received a small check with no explanation of how the funds were distributed or any accounting for the difference in interest OR escrow. 

I believe that because this home was in pre-foreclosure, the bank and the law firm that reportedly represented them XXXX XXXX XXXX feels they can charge whatever they want without explanation and the homeowner has no recourse. 


M & T Bank

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 2024-01-26 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: MA

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention the unresolved issues I have encountered with Equifax regarding inaccuracies in my credit report. On XX/XX/XXXX, I contacted Equifax about the discrepancies in the information they have reported, and to date, I have not received a response. I believe that these inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), and I kindly request your assistance in addressing this matter. 
The discrepancies involve the following accounts : XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2500.00} ) : Incorrect reporting of the balance. 
Request for deletion of past due information as the account is closed and charged-off. 
Request to mark the account as disputed to prevent negative impact on my credit score. 

XXXX ( Date Opened : XX/XX/XXXX, Balance : {$400.00} ) : Doubts about the accuracy of the reported balance. 
Past Due reporting on a closed and charged-off account. 
Request to mark the account as disputed while I resolve the dispute with the creditor. 
Verification of Date Opened, Date of Status, and First Reported. 

XXXX  ( Date Opened XX/XX/XXXX, Balance : {$280.00} ) : Incorrect reporting of the balance. 
Past Due reporting on a closed and charged-off account. 
Request to mark the account as disputed while I resolve the dispute with the creditor. 
Verification of Date Opened, Date of Status, and First Reported. 

XXXX  Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$1100.00} : Account not belonging to me. 
Request for removal from my credit report. 

XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} : Account not belonging to me. 
Request for removal from my credit report. 

XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} : Account not belonging to me. 
Request for removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My mortgage was transferred from XXXX XXXX to Newrez in XXXX XXXX. Ever since, I have not been able to access my account. Recently my monthly payment went down quite a bit and I am worried that the company is not making my escrow payments but I can not verify since I can't access my account. I also can not see my loan information nor can I make payments online, download tax documents, etc. 

I called them XXXX times to ask for help to access my account so I can see what is wrong and nobody has helped me in the last XXXX months. They keep creating tickets but do not follow up on them. I know people who have gone into foreclosure because of this company 's tactics so I hope you can monitor them so they don't scam people and they provide services like other mortgage companies do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 2024-01-26 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERIS BANCORP
State: FL

Complaint narrative:
On XXXX XXXX, I deposited XXXX XXXX in my Ameris bank from my XXXX XXXX. However, they don't allow me to use the money in it. I can't access my money at all. Every time, I set up a transfer, the system shows an 'error '. I called them, they said they would send it back to XXXX. However, XXXX months passed, and the money was still there, and couldn't do anything. It is so crazy bank I have never met.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
1st Contact : Called Citibank IRA to initiate IRA rollover of {$3900.00} to another institution ( XXXX ) where my XXXX IRA is held. Initial contact was on XX/XX/XXXX. Documents emailed to me same day and filled out in order the begin the conversion process. Mailed out as directed- I was told to wait XXXX business days. Received no follow up on status. 

2nd Contact : I called back in the beginning of XX/XX/XXXX to follow up and was told that documents were missing, and I need to fill out and another form regarding a name change. Mailed docs to them as directed yet received no follow up on status. 

3rd Contact : Called back to follow up on XX/XX/XXXX - spoke with agent XXXX. She told me I need to fill out and send in these forms... again! via mail.

I'm being severely inconvenienced because it took almost XXXX months to simply initiate a basic rollover. This is the only organization I've had this problem with. It seems my simple request is being mismanaged or mishandled and they make it hard for customers to retrieve their funds. Their process is incredibly inefficient and inconveniences me as a customer. I should not have to jump through hoops continuously- on my dime- to get access to my retirement funds. They need to work on creating a more seamless customer centric process. Also, this organization should have better customer outreach and follow up for if they need additional info in order to move forward with requests. Neglecting to do so shows bad faith, poor company ethics, as well as general reluctance to disburse funds as requested. It seems they make this process difficult in order to hoard funds. This process is negatively impacting me and I'm requesting immediate resolution.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To provide context, my husband and I filed for XXXX  XXXX bankruptcy, with specific arrangements in place to exclude XXXX XXXX from the proceedings. Unfortunately, XXXX XXXX took legal action to include the mortgage, resulting in unforeseen fees totaling {$1000.00} being charged to our account. We firmly dispute this additional fee, contending that XXXX XXXX should bear the responsibility for these expenses, given that they initiated the process of including our mortgage in the bankruptcy.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-26 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: LAKEVIEW LOAN SERVICING, LLC
State: DE

Complaint narrative:
I purchased a home from in XXXX of 2023 through a lender named XXXXXXXX XXXX. However, my Mortgage was sold to Lakeview Mortgage. Apparently, through this process, my information was compromised from a data breach. The company mailed out a letter entailing the incident. Therefore, when I noticed a significant drop on my credited rating, I contacted the mortgage company ( Lakeview Loan Service ). Lakeview loan Services refused to help me resolve my issue. I was transferred to several different operators who refused to address the data breach issues. I demand to speak to a supervisor all they did was give me the run around. No one in their administration office or management contacted about this data breach.

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 2024-01-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal has been letting fraud happen on my account for months now. I have called several times about this problem. I had over XXXX  in stolen funds from my account. They have yet to return my money. My device was lost and I told them about it and no fix. They lied on multiple occasions about filing my claims. This happened since XX/XX/XXXX. PayPal has no real interest in helping you keep you account secure. They will let fraud persist and then say they don't see how the fraud. This is ridiculous. My account is compromised and they refuse to honor the return of my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
This is the timeline : XX/XX/XXXX : I reached out to the e-mail on a house ad named XXXX XXXX about renting a house. She said it was available but would not give me location until I booked it XX/XX/XXXX e-mail. 
XX/XX/XXXX : She sent me cancellation policy stating that If you cancel your bookings two week prior to check in date, you will receive a full refund. 
XX/XX/XXXX : She sent me the invoice and wanted me to pay XXXX to XXXX, I didnt feel comfortable, so I asked to use your Capital One. 
XX/XX/XXXX : She sent me a link XXXX XXXX XXXX and gave me my username XXXX Password : XXXX. I clicked on the link and paid it. Now when you click on invoice it is gone. I did include a copy of it. It is billed through XXXX on our account. 
XX/XX/XXXX : She said payment received. Prior to our arrival, she would give me details. 
XX/XX/XXXX : I said our plans have changed and I am requesting a refund. 
XX/XX/XXXX : She said Will do, thanks for letting me know. 3-5 business days will reflect on my card. 
***Money never came back!

**We called the number numerous times on invoice and no answer. 
**I called the actual XXXX XXXX XXXX  XXXX, which is the name of the campground. They said the property I booked has a flag for fraud and the name XXXX XXXX doesnt exist. I booked through XXXX XXXX XXXX ( this doesnt exit ) XXXX : I e-mailed again that payment didnt come back. She never replied. 
XXXX : began email XXXX customer service in an effort to help with this matter. Attached is my dialogue with them. They too have been unhelpful. They keep asking for our account information with XXXX. WE DO NOT HAVE AN ACCOUNT with XXXX. The person who scammed us, used XXXX, we did not. 
XXXX : Various calls with Capital One. A dispute representative told me that I would get my money back. Never came .... 
XX/XX/XXXX : Capital one reopened my case XX/XX/XXXX : Capital one told me there is nothing they can do. 
Capital One will not refund the money. I have provided all the documentation to them. 
Thank you, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: CORELOGIC INC
State: IN

Complaint narrative:
I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved. 

I kindly request the Consumer Financial Protection Bureau 's assistance in facilitating this freeze and ensuring the necessary steps are taken to protect my financial security. 

Your prompt attention to this matter is greatly appreciated. 

Thank you for your assistance.

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