vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX XXXX paid from escrow for county tax XXXX, XXXX   : I received a notice from county that my taxes have not been paid XXXX, XXXX   : I contacted my mortgage company who said " not to worry, it would be taken care of '' I asked for something in writing, but they said that could not do that. 
XX/XX/XXXX  : XXXX paid from escrow for county tax XX/XX/XXXX  : XXXX paid from escrow for county tax XX/XX/XXXX  : XXXX paid form escrow for county tax ( AGAIN ) XXXX  XXXX  XXXX  paid from escrow for county tax XX/XX/XXXX  : XXXX paid from escrow for county tax ( AGAIN ) Through these months, regularly contacted to company, who assured me that it would be straightened out, even though they kept sending me notices of a shortage and that my mortgage payment would be going up. They are STILL sending me notices. The county tells me that they sent a check on XX/XX/XXXX  forXXXX ( check # XXXX ) to the mortgage company, actually their agent XXXX XXXX. I do not owe them any extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: NY

Complaint narrative:
Hi CFPB staff, My student loans are being serviced by EdFinancial. On XX/XX/2023, I received an email from them informing me that on XX/XX/2023, they would begin moving my loan to a new student loan servicing system for the purposes of better serving me, and that two weeks after the transfer begins, I will need to register for a new account online to access my loans. Then, as of XX/XX/2023, they sent an updated email stating that there was a slight change in the original transfer date of XX/XX/2023, and that my loans would be transferred at a later date. On XX/XX/2023, I received an updated email from them stating that effective XX/XX/2023, they would begin moving my loan to a new student loan servicing system to, once again, better serve me, and, once again, that XXXX weeks after the transfer begins, I will need to register for a new account online to access my loans. Finally, on XX/XX/2023, I received an email stating that there has been a slight delay in the original estimated transfer date of my loans to the new servicing system, and that Edfinancial is working to ensure my information is transferred over as quickly as possible. 

It is now XX/XX/2023, over two weeks after EdFinancial 's last correspondence regarding the status of my account, and almost 3 months to the date of their first email. As you know, student loan interest begins accruing again on XX/XX/XXXX, now a week away, and I have not heard any updates from EdFinancial regarding the status of my account. When I access my old account on EdFinancial, the records are not accurate as it shows I have no loan balance and does not include any history of my prior payments. I have tried calling EdFinancial during working business hours, but am met with long hold times of over XXXX minutes. There are numerous threads on websites such as Reddit.com of other student loan borrowers in the same position due to EdFinancial 's lack of communication and transparency. 

I am writing this complaint because I am worried that, given student loan interest begins accruing in one week, and given EdFinancial 's previous statements that I would need to wait two weeks after the account transfer to make a new account, that when I receive a new account with EdFinancial, I will be unable to access my loan accounts and submit payments to my loans before the interest begins accruing. I am worried that due to EdFinancial 's lack of adequate communication, myself and other student loan borrowers will be adversely affected when the XX/XX/XXXX deadline arrives. It is absolutely unacceptable for a company that holds our student loans to have done this migration to a new system, technical difficulties abound, right before student loan payments were to resume- they've had three years! 

If needed, I am happy to provide copies of all correspondence as well. 

Any help would be greatly appreciated. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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:
I personally have sent mulitple disputes for a collections account ( including via Certified Mail ) to Experian in XXXX and XXXX of 2023. 

The collections company, XXXX XXXX XXXX reported this collection account as " past due ''. With that said, per my legal counsel I have been advised that a collections account is past due by default therefore they have failed to list this accurately. This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and Experian is required to remove any information that is not true, accurate, compliant, and verifiable.

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 2023-08-25 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: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I got a letter from PNC Bank dated XX/XX/2023 stating that they incorrectly quoted my fixed HELOC interest rate at 8.14 % but it should have been 8.0285 % since the beginning of the loan. When I called and spoke to a representative to ask if this rate was applied for the life of the loan which was established on XX/XX/2023, they told me that I got the lower rate. I was also told the lower rate was applied since the loan was established and I had already received a credit for any overcharged interest. However, when I reviewed my XX/XX/2023 statement, it showed that the higher rate of 8.14 % was still in effect for at least 8 days during the prior month of XXXX and it did not show any credit for previously overcharged interest. How can I be assured that they calculated my rate correctly and applied the lower rate to my account for the full duration of my loan? I would like the CFPB to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Had a account with bank of America they were committing fraud on my account despite there numerous attempts they were unsisesfu in 2022 I notice a big amount in the negative on my account I immediately called the bank and I closed the account and asked them to do a claim. Recently I noticed was in collection because of this the banker did NOT file a claim witch lead me to collections I was put on a check watch list an affected my credit score. Bank refuses 2 do anything about it won't give me I formation or let me speak to a supervisor

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 2023-08-25 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: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 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: EQUIFAX, INC.
State: WI

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
As of XX/XX/2023, I have sent letters asking the reporting agencies to furnish the supporting documents and PROBABLE evidence that I have any obligation to the mentioned accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
I've attached proof of LexisNexis inaccurate reporting their reporting and business practices is a violation of the FCRA, and I'll sue LexisNexis and enforce my laws under the FCRA if this information attached isn't removed from my consumer report immediately. 

Data furnishers ARE NOT ALLOWED TO REPORT INACCUARTE INFORMATION! 

FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US Court of Appeals for the Third Circuit Court case 115 F. 3rd 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is fraud on my account. I did not authorize any credit reporting on my report. 12 CFR subsection 1022.3. Anything added to my credit report without my knowledge is fraud. There are a lot of discrepancies on my credit report which needs to be fixed.

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 2023-08-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2023 CAP ONE refuses to fix this issue that is stressing and causing great emotional stress on my life. They are reporting a charge off for alleged debt that they never proved to me it was mine. All they sent were printed statements however this is not considered proof in court. 
CAPITAL One is reporting a charge off and this is against FCRA VIOLATIONS and they know this. 

A charge off means Capital One told the IRS they cant collect on this debt, the IRS gave Capital One a tax credit however CAP ONE is still trying to collect this alleged debt basically violating the law. I need them to send me proper verification or remove this account, immediately. Shame on you Capital One. 

Cap ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am writing to address a matter of utmost concern regarding the recent handling of my credit card account Account Number ending in XXXX. 

On XX/XX/XXXX, I contacted Sychrony 's customer service representative to inquire about the ongoing promotion associated with my credit card. The rep clearly explained to me that for balances exceeding {$3000.00}, a XXXX period with no interest rate would apply at any stores as well as XXXX. As per the representative 's guidance, I utilized my card, ensuring my balance exceeded the stated threshold, which was {$4200.00}. 

To ensure a clear understanding of my payment schedule, I called again on XX/XX/XXXX. However, during this conversation, I was shocked to be informed that I did not qualify for the promotion and that I would be subjected to an interest rate. This directly contradicted the information I had been given previously. I escalated the matter and was eventually connected with a XXXX who acknowledged the error on behalf of the representative 's part and expressed apologies. 

The XXXX issued a {$50.00} credit and assured me that no interest rate would be charged for at least XXXX months while the situation was rectified. He advised me to divide the balance of {$4200.00} into 24 months, as per the promotion terms. Additionally, I was directed to contact corporate to address the matter further. 

I promptly sent two faxes to the corporate office on XX/XX/XXXX and XX/XX/XXXX, detailing the circumstances and seeking clarification on the promotion 's application. Regrettably, I have yet to receive any response or acknowledgment from your corporate team. Meanwhile, an interest charge of {$120.00} has been applied to my account, exacerbating the situation. 

Despite speaking with the XXXX and following the suggested payment approach, I have been met with no communication and no resolution from the corporate office. It has been immensely frustrating and disheartening to be caught in this predicament due to no fault of my own.

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 monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had a XXXX credit line Credit card now decrease to XXXX. I used XXXX of this so now i have only XXXX dollars left. Now when you add all the interest and fees this will put my credit limit over and that will show up on credit report which isnt fair to me. I was never late paying this or any of my other credit cards This just isnt fair. this is the reason they said Your XXXX XXXX : XXXX Date : XX/XX/2023 Scores range from a low of XXXX to a high of XXXX. 
Key factors that adversely affected your XXXX XXXX : Too Many Revolving Accounts With High Balance Compared To Credit Limit Lack Of Real Estate Secured Loan Information Balances On Bankcards Are Too High Too Many Bankcards With High Balance Compared To Credit Limit According to my XXXX card my credit score is XXXX good credit XXXX accounts and never late excellent paymenta I still own on my house which was tranfer to to new mortage company

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 2023-08-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I owed XXXX  XXXX XXXX credit card and I agreed to pay and for payment to be deducted from my bank account automatically and it never did they did send me to collections even when I was willing to pay an amount to them to settle

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 2023-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I need to re-document and refile this grumbling to TRANSUNION.I kept in touch with them the errors of my credit report including dates of last movement, dates opened, dates detailed, and installment status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. My privileges have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.

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 2023-08-25 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: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely 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 2023-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I do not owe any alleged debt, As a consumer I only I can Validate a debt and I do not. They have yet to provided me with the original copy of the contract in wet ink.

Company response to consumer: Closed with non-monetary relief