vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Our Mortgage insurance was sold from XXXX XXXX  XXXX to Mr. Cooper in XXXX. We called them regarding some tax questions and were told over the phone that our new mortgage amount will be increased by {$1000.00} per month. They mentioned they did an escrow analysis, and our pmt. will be increased as of XX/XX/XXXX. We have never been late with our payments and said we can not make this payment to which they stated, we will take {$500.00} per month for the next XXXX years, this was all completed by phone! Mr. Cooper started with this payment increase in XX/XX/XXXX not XX/XX/XXXX. They also stated this occurred since there was no $ $ $ in our Escrow acct. 

Friday, XX/XX/XXXX We moved into our residence on XX/XX/XXXX, we have been paying our mortgage on time and have never been late. It states in the Loan Documents we both signed when we bought our home, in the mortgage disclosure, that we can have the PMI removed after XXXX yrs. of being in our residence from the sale date and when our loan to value reaches 75 %. We currently meet both those requirements ; we are not sure why they will not help us. We are still paying a PMI of {$480.00} on a monthly basis. We called Mr. Cooper on XXXX, XX/XX/XXXX, to check on this PMI but could not talk to a live person, however there was a recorded statement saying, " Your new payment will start in XXXX '' would you like to hear that? We found out through this recording that our new Payment as of XXXX will be going up by yet another {$100.00}. We have NOT gotten anything in writing regarding this " NEW PAYMENT ''. This needs to end, we are basically paying almost {$1000.00} per month in addition for something we should not have to pay. 
We are truly hoping you can help us further, Thank you, B

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has reported XXXX collection amounts to Transworld {$760.00} & {$780.00} I have disputed these charges multiple times the disputed amounts remain " unchanged. " The core issue is that the charges were not accurate from the beginning each charge entry was not aligned with the contracted agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The applied charges did not match the acceptable charges agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I downloaded my credit report from Clarity Services. After reviewing my report, there are XXXX fraudulent names and addresses on my report. There is a XXXX XXXX with a date of XX/XX/XXXX and XXXX XXXX with a date of XX/XX/XXXX. There is a date of birth on my report for XX/XX/XXXX and my actual birthdate of XX/XX/XXXX. I was not born on XX/XX/XXXX. There are XXXX addresses to XXXX different states that I have never resided in : XXXX XXXX XXXX  XXXX Mt XXXX with a date of XX/XX/XXXX and XXXX XXXX XXXX XXXX MA XXXX with a date of XX/XX/XXXX. It has me as owning a home on XX/XX/XXXX and I have never owned a home. It has an unknown housing date of XX/XX/XXXX and a rent date of XX/XX/XXXX which would be accurate because I have been renting for over XXXX  years. It also lists a telephone number of XXXX, and XXXX, XXXX numbers that I have never had or know where they are located. It has an email address that I am not familiar with or ever had as XXXX with a date of XX/XX/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 2024-06-03 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: TX

Complaint narrative:
I sent certified mail on XXXX XXXX With a requst to remove a account, it was a removel letter and a FTC report they did not include on my file a copy of my driver license and ssn card. I talked to someone on XX/XX/year> at Equifax they said it was no FTC Report on file and then i ask about these comformation numbers : Confirmation number : XXXX SubmittedXXXX Confirmation number : XXXX Submitted : XX/XX/year> Confirmation number : XXXX Submitted : XX/XX/year> they don ; t see them.I disputed the same account with XXXX and XXXX they fix the problem. I believe Equifax are acting in bad faith, and have not complied with the Fair Credit Reporting Act they hiding information that has been sent in. I have maintained careful records of there actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/year>, I mailed the full balance due ( {$21.00} ) to Capital One. The due date was XX/XX/XXXX. My payment didn't post till XX/XX/XXXX. As a result, I was charged a {$21.00} late fee and {$3.00} interest charge. This is NOT the first time this has occurred with Capital One. Since I live in Ohio and the payments go to XXXX XXXX Illinois, I find it hard to believe that it takes 19 days to arrive and be processed. 
Today, XX/XX/XXXX, I called Capital One customer service. I explained my XX/XX/XXXX payment and related, and requested the interest and late fee be removed. The rep would only remove the interest fee of {$3.00} but not the {$21.00} late fee. No reason was given. I asked for a supervisor and was told the same thing. Both the first customer rep and the supervisor suggest paying online or over the phone. I, like many others, prefer paying by check! Last Fall, the same thing happened ... after calling customer service, the late fee of {$28.00} was removed but not the interest charge of {$4.00} as reflected on my XXXX statement. 
I feel Capital One is not being honest in how they process mailed in payments. This is an unfair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Shepherd Outsourcing, LLC
State: RI

Complaint narrative:
I received a letter in the mail that a previous debt ( taken out under my previous name before I completed a gender transition ) was transferred to Dynamic Recovery Solutions for collection. I reached out in XX/XX/year> and settled for a lower amount. Since then they collected XXXX months ' payments of {$64.00}. I noticed this month that nothing came out of my account and tried to log into their customer portal to see what the issue was. The website I had previously used is no longer active and the link sent via email to access documents relevant to my account is no longer active. It seems they were a scam but now I am concerned they have sensitive information such as my SSN, bank account information, and also the {$120.00} they took from my bank account. They mislead in all correspondence by saying they were licensed in all states and according to the XXXX, this is not true. I have the email correspondence for reference if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I took advantage of a promotion for 3 % of the financed amount if I selected a 3 year financing term at Synchrony Bank. I completed the form, mailed my receipt and information and was told to wait a lengthy process. The last week of XX/XX/year> I received the gift card and it was expired as of XX/XX/year>. I called Synchrony Bank and was told they would not be able to reissue a gift card and the funds were forfeited because the card expired. They claimed the card was mailed out in XXXX, but earlier this year when I called about the status I was told to keep waiting it was on the way and the card arrived in XXXX, so clearly they are lying, they are just using this as a tactic to avoid giving me the credit I earned.

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 2024-06-03 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: WI

Complaint narrative:
My account with XXXX  and XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: FL

Complaint narrative:
I am a victim of fraudulent activities that has been happening on my credit I'm requesting for the items on my credit history to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning 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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-06-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XX/XX/2020 - I sent XXXX XXXX XXXX of XXXX XXXX, Florida, an intent to break lease. After paying up debts owed to the property, I later found out the amount they tried to collect from me was not verified in the lease agreement. I asked for the information to ensure it was valid and not given any information. I asked for this information for over XXXX months and never received anything from the company that stated why I owed the amount listed on my credit report. 

My credit and rental history is being affected and now I can't access the company that put the debt in collections because they are no longer in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SoLo Funds Inc.
State: FL

Complaint narrative:
**COPY OF EMAIL SENT TO COMPANY ( XXXX ) MONDAY XXXX Good evening, I am sending this message as one final attempt to get help so you can see, on record, that I have done everything I possibly can to get this situation resolved. It is currently XXXX XXXX on Monday XXXX, and my loan is due tomorrow - Tuesday XXXX. However, I am unable to pay it back due to an issue with your app that I need your assistance in fixing. 

Please see this picture of the many attempts I've made over the past several business days to contact support and get help to fix this issue : As you can see, I'm trying to be proactive. 

If you are not already aware from my obnoxious amount of support requests, the debit card issue that you all have been having with the new app update has been affecting my account severely. For some reason I am able to move money freely to and from the app/wallet using the debit card transfer feature, but I am literally unable to payback my loan because of the disconnect between my debit card and the app. 

Every time I attempt to pay back, I receive this message in my email : However : - I been had the funds in my bank account - My debit card is not frozen - I've used it numerous times today and just made sure it's " on '' through the XXXX XXXX app - My card number is active and not expired - I don't have a monthly limit. 

Here is what I have done so far to try and remedy the situation : - Contacted my bank to make sure there is no issue with my debit card - Disconnected + reconncted my associated debit card linked to my checking account on file with SoLo - Attempted to pay with my SoLo Wallet by moving funds into there - Attempted to pay through the mobile site instead of the app - Spoke with one of your lovely agents, XXXX, on Thursday XX/XX/year>. 

None of this has worked so far. 

XXXX did let me know on Thursday XX/XX/year> that the loan was showing as " processed '' from your end and that I should check back on Friday to make sure the payment was posted : However, the payment has still not in fact posted to the app, and the money is still in my bank account. 

Now today I received this message in my email : So I'm just letting you all know right now that I absolutely refuse to pay ANY late fees you dare to charge me, and I will not be paying any other frivolous charges on top of that. 

**END EMAIL**

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX I Have never had XXXX XXXX I do not know where or whom this company is. I reached out to them to ask them about this account and they never sent me anything. This is fraud. I sent over multiple letters certified mail and they still haven't remove this from my credit report. FRCA law prohibits false information that is not mines to be reporting. I demand this is removed from my credit report. NeXT steps will be filing a lawsuit.

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 2024-06-03 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: CO

Complaint narrative:
I was a victim of check fraud.. I was told I was approved for a loan but I would have to. Pay to fix my credit and the company would provide the fund to assist. So I didnt have to come out pocket but that my XXXX  score would go up. Then the funds came in to pay to fix my credit the bank froze my account for check fraud and they emptied my saving account and checking account.their checks bounced back and Key bank took my payroll check from XX/XX/year> and my saving to cover the return pmt and left me with no money and told me I was not getting nothing back and my account is check fraud Those check where not mine nor did I deposit them.they close the account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had a Synchrony/PayPal account that went to collections with XXXX XXXX. Whenever I logged into their website, my account showed a XXXX balance. I have screenshots going back periodically over the past XXXX years. I disputed the entry on my credit reports several times and notified the credit reporting agencies that I had contacted them to resolve the debt but they declined to accept any payments. Nevertheless, they continued to verify the debt. Next, I receive a demand letter from XXXX & XXXX and discovered that XXXX XXXX retained them. The amount is now over {$3600.00}, much of it fees and interest. I believe XXXX XXXX is intentionally making it difficult for borrowers to pay so that interest can accrue. Your organization censured XXXX XXXX in 2015 for similar practices and were ordered to revise their debt collection activities.

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 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: TN

Complaint narrative:
Today I reviewed my credit report and discovered that this company has reported that i owe the a debt. However, I did not receive any written notice from them within XXXX days of their initial contact, which should include the amount of the debt, the name of the creditor, and a statement of my rights to dispute the debt within XXXX days. 

Violation of FDCPA : According to Section XXXX ( a ) of the FDCPA, debt collectors are required to send a written notice within XXXX days of the initial communication. This notice must inform me of my right to dispute the debt and request verification. [ Debt Collector 's Name ] has failed to comply with this requirement. 

Impact on Me : Due to the lack of proper notification, I have been unable to exercise my right to dispute the debt or request verification, which has caused undue stress and confusion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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:
This is not my account you ; re violating my rights, no proof of validation has been submitted to me XXXX  - XXXX -- U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 5 us code 1692j - furnishing certain forms- It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. 

XXXX  - XXXX +- U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 5 us code 1692j - furnishing certain forms- It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. 

XXXX XXXX  - XXXX - 15 U.S. Code 1681q - Obtaining information under false pretenses- Please Delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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:
I make my payments on time, every time. Im sure of that. What confuses me is why this company reports late payments for some months. USC 1666b requires that billing mistakes be corrected and marked as paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: GA

Complaint narrative:
I haven't checked my credit report in a while and noticed a ton of inaccurate information I reached out to all XXXX  credit reporting agencies that they were reporting wrong and inaccurate information I gave them the correct information of the only thing that I want on my report I even sent copy of my license, auto policy and financial statement which all had what was correct I called several times before I decided to mail the above documents and they can't seem to get it correct how much more proof do I need to send to them to correct inaccuracies I thought that by law they had to only report with XXXX percent accuracy Please advise?

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