vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I have discovered multiple errors with my mortgage that consist of the following .... 

Incorrect amounts were allocated improperly for escrow-paid insurance and property tax. Which in turn led to a massive shortage in the escrow account of - {$6500.00} .... ( Although in the same statement, the amount changes 3 times from around XXXX to XXXX .... ) Due to this, the mortgage payments are going up to {$1900.00} per month, which we can not afford presently. We tried to do a loan modification prior to all this so we could manage our payments better, and ended up paying over {$7000.00} on XX/XX/year> which was required to close the escrow account and pay for taxes and insurance on our own. I spoke to different representatives about this who gave the go-ahead to do so. Later, after being ignored this time as well, we apparently were not allowed to close the escrow account even though it was stated that we could. Due to a late payment over the course of 12 months. We did not know this prior to paying such a large sum of money. 

Now in the loan modification agreement, there is a passage included that states a consumer can close the escrow account at any time .... I included this amongst other issues in a notice of error and request for information that I sent last month. Fay Servicing, my loan servicer, will not communicate with me whatsoever. I understand that a servicer has 5 business days to acknowledge receipt of NOE and RFI. They have not done so. 

My mortgage is now in default and I am scared that I will face foreclosure soon. I wanted errors corrected and to receive some information before beginning to try and pay such a large amount every month. I need to now, as of today, pay {$5400.00} to clear the default, which I am trying to raise money for currently .... 

The original loan modification was supposed to make my mortgage payment more affordable, which never even happened, I was just given a bit longer to catch up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Complaint Against [ Experian ] for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ Experian ] for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against [ Experian ]. 
Account Information : Creditor Name : XXXXXXXX  Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, [ Experian ] has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and XXXX 
The violations committed by [ Experian ] include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against [ Experian ] for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ Experian ] upholds its obligations under the law.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue and holding [ Experian ] accountable for their actions. 
Sincerely,

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 2024-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I am writing to formally file a complaint against PayPal regarding a misapplication of my payments which led to an unjust interest charge of {$400.00} on a special promotion that expired in XX/XX/year>. I have been a long-time user of PayPal Credit and have consistently paid off my special promotions on time without any previous issues. 

In the past, I contacted PayPal to understand how payments were allocated between regular purchases and promotional balances. I was informed that payments would be automatically applied to the balances not accruing interest, such as promotions, and any extra payments would then be applied to the remaining balance. 

Before the promotion expired, I called PayPal to confirm the amount required to avoid interest charges on the expiring promotion. I was instructed to pay {$1000.00} twice, which should have been sufficient to cover the promotional balance. Despite this, an interest charge of {$400.00} was still applied to my account. When I called to clarify the reason for this charge, I was informed that I needed to call and allocate the payment specifically for that transaction, a requirement I had never encountered before. 

This new requirement is highly suspicious and bothersome, especially considering that this was the highest promotional balance I have carried. During my call, I asked how much more I needed to pay to cover the promotional balance and have the interest refunded. The representative told me {$490.00}, and I subsequently paid {$500.00}. However, when I called again after receiving a refund of only {$0.00}, I was told that the previous representative had provided incorrect information and that it was now too late to rectify the error. 

I feel deceived, manipulated, and taken advantage of by PayPal 's handling of this situation. This experience has caused me significant distress and financial inconvenience. I am seeking a resolution to this matter, specifically the refund of the unjustly charged {$400.00} interest.

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 2024-07-29 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
On XX/XX/year> I Received A Phone Call From A XXXX XXXX From Genesis Collection Agency " Columbia Debt Recovery LLC dba Genesis NMLS XXXX ''. ( Genesis Collection Agency ) I Did Mention That If A Collection Agency Buys A Debt I Am No Longer Responsible For Set Debt And Told Him Thank You. 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 Are Responsible For Selling/Giving My Information To This Collection Agency . They Are All Responsible For Identity Theft On My Accounts. When I Spoke With XXXX XXXX XXXX He Did Tell Me That He Has My Name Phone Number Address And Social Security Number. I Told His Incompetent 's XXXX Thank You For Admitting That You And Your Company/Corporation Are Responsible For Committing Identity Theft And Copyright Infringement And You Will All Be Held Legally Liable For Damages. 

I Also Spoke With The XXXX XXXX XXXX. He Did XXXX XXXX XXXX ( Fair Warning If You Listen To The Recording ) But I Knew What He Was Doing He Wanted Me To Cease And Desist Them So They Wouldn't Be Held Liable. So I Rescinded It After About 5 Minutes In Writing Sent To XXXX XXXX Through Email When I Called Back And Specifically Asked For XXXX XXXX As He Was The First Person I Spoke To. I Did Ask Him Who Sent Him The Papers And If It Was XXXX XXXX The XXXX XXXX XXXX XXXX XXXXXXXX XXXX He Did Confirm Her And XXXX XXXX XXXX Were Both Involved. He Did Mention That ALL My Copywritten Documents Sent Via Mail To XXXX XXXX XXXX XXXX XXXX At XXXX XXXX Apartments ( Registered And Certified Mail ) They Had Them He Mentioned Quite A Few Documents, Per Each Document Is $ XXXX Dollars Its Written In My Common Law Copyright Apostilled With The Secretary Of State In Nevada. 

I AM REQUESTING THE ASSISTANCE OF THE CFPB TO RETRIEVE ALL THE RECORDED PHONE CALLS AND ALL THE DOCUMENTS GENESIS AND COMUMBIA DEBT RECOVERY HAS. AND I WANT THEM HELD LIABLE FOR DAMAGES TO THE FULLEST EXTENT OF THE STATUTES, CODES, PUBLIC LAW, ETC... I AM REQUESTING THE CFPB TO PROVIDE THE PHONE CALLS AND DOCUMENTS THE DEBT COLLECTION AGENCY RECEIVED FROM THE CORPORATIONS 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 2024-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im submitting a XXXXXXXX to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
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 XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
TRAFFICKING VICTIMS LETTER TO CONSUMER REPORTING AGENCIES XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

[ Identify item ( XXXX ) resulting from trafficking that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ) US DEPT OF ED XXXX XXXX account # XXXX {$4500.00} XXXX XX/XX/XXXX XXXX DEPT OF ED XXXX XXXX account # XXXX {$1600.00} opened XX/XX/XXXX US DEPT OF ED XXXX XXXX account # XXXX {$5800.00} XX/XX/XXXX UPDATE PAYMENT HISTORY TO CORRECT STATUS paid in full without any late payments 15 USC subsection 1666b TIMING OF PAYMENTS if you are unable to do that Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ] XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
TRAFFICKING VICTIMS LETTER TO CONSUMER REPORTING AGENCIES XX/XX/XXXX [ XXXX XXXX ] [ XXXX Smiths XXXX XXXX ] [ XXXX VA XXXX ] XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

[ Identify item ( XXXX ) resulting from trafficking that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ) US DEPT OF ED XXXX XXXX account # XXXX {$4500.00} XXXX XX/XX/XXXX US DEPT OF ED XXXX XXXX account # XXXX {$1600.00} opened XX/XX/XXXX US DEPT OF ED XXXX XXXX account # XXXX {$5800.00} XX/XX/XXXX UPDATE PAYMENT HISTORY TO CORRECT STATUS paid in full without any late payments 15 USC subsection 1666b TIMING OF PAYMENTS if you are unable to do that Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, [ 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 explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: AK

Complaint narrative:
I have power of attorney for my XXXX who has XXXX and I have spent countless hours over the last 4 months trying to get US Back to acknowledge my Power of Attorney so I can manage my XXXX XXXX  finances. I first brought the POA documentation in to a branch in XXXX ( I live in a state without a US Bank branch ), I later mailed a copy of the documents and emailed copies to a branch employee who uploaded the documents. Despite having the documents, US Bank has strung me along for 4 months without adding me to my XXXX XXXX account. He has a very large balance that is stuck there with them earning interest on his money while I am unable to invest for him or even pay his bills. They have occasionally asked me to sign additional documents and mail them back to them ( always by snail mail ), but when I call to check on the status they transfer me back and forth with no one able to answer any of my questions are explain what the status is. One branch employee has been helpful and finally provided online access to one account, but then they disabled that and when I called them they transferred me to three different people and then just told me to call the customer care line, where I started out, and then hung up.

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 2024-07-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXXXX/XX/2024 Dear Consumer Financial Protection Bureau, I am requesting assistance in obtaining my free credit report from Equifax under the Fair Credit Reporting Act ( FCRA ). Under this statute, I have the right to receive my free credit report every 12 months from each of the credit reporting agencies ( CRAs ). However, Equifax has still not provided me with my credit report. 

I downloaded the paper form to manually request my credit report by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  mail from XXXX 
I completed all required fields accurately and completely. 
I mailed off my first request with the appropriate first-class postage on XXXX XXXX XXXX XXXXXX/XX/XXXX. 
I did not receive my credit report after waiting 15 days. 
I mailed off a second request on XXXX XXXX XXXX XXXXXX/XX/XXXX. 
I still have not received my credit report from Equifax. 

I would appreciate your help in resolving this issue with Equifax. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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 am a victim ofXXXX The information listed below, which appears on my credit report, results fromthat trafficking. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/year> and a balance of {$1700.00}. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/year> and a balance of {$290.00}. 

XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/year> and a balance of {$8800.00}. 

Please block this information from my credit reportwithinfour business days, according to section 605Cof the Fair Credit Reporting Act

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 2024-07-28 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: CA

Complaint narrative:
I am a victim ofXXXX. The information listed below, which appears on my credit report, results fromthat XXXX 

XXXX XXXX XXXX with account XXXX XXXXXXXX opened on XX/XX/year> and a balance of {$1700.00}. 

XXXX XXXX XXXX with account XXXX XXXXXXXX opened on XX/XX/year> and a balance of {$290.00}. 

XXXX XXXX XXXX Installment with account XXXX XXXXXXXX opened on XX/XX/year> and a balance of {$8800.00}. 

Please block this information from my credit reportwithinfour business days, according to section 605Cof the Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BMO Bank XXXX XXXX XXXX XXXX XXXX, IL XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FPB Complaint XXXX XXXXXXXX To Whom it May Concern : I am in receipt of your XX/XX/year> response to my CFPB Complaint. 

The transactions in question are direct deposits from my employer for expenses submitted via XXXX XXXX. They are not distributions from an investment account as falsely alleged. 

Please pay the advertised bonus of {$400.00} and waive all monthly fees, fees which would not have been incurred if the promotion had been correctly administered and paid out. 

Otherwise, this matter will proceed to trial with all costs and fees taxed to the bank. 


Sincerely, XXXX XXXXXXXX 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 2024-07-28 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy with Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX  XXXX  account XXXX amount {$89.00}, XXXX XXXX XXXX account number XXXX account charged off amount {$16000.00}, XXXX XXXX XXXX account XXXX account charged off {$2800.00} XXXX : XXXXXXXX XXXX XXXX account XXXX amount {$89.00}, XXXX XXXX XXXX account number XXXX account charged off amount {$16000.00}, XXXX XXXX XXXX account XXXX account charged off {$2800.00} XXXX : XXXXXXXX XXXX XXXX account XXXX amount {$89.00}, XXXX XXXX XXXX account number XXXX account charged off amount {$16000.00}, XXXX XXXX XXXX account XXXX account charged off {$2800.00}

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 2024-07-29 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: SC

Complaint narrative:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-07-29 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: SC

Complaint narrative:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief