vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am the Estate Administrator for my deceased mother, XXXX XXXX XXXX. When my mom passed, I found out she had a reverse mortgage with PHH Mortgage. With an Estate Attorney in place, we were told we could sell the home. The home has been on the market and under contract since XX/XX/XXXX with an original close date of XX/XX/XXXX. Since early XXXX I have called PHH to simply get a payoff. From day one I have filled out all their paperwork to get this information. After a few weeks of not getting the payoff I had the closing attorney to call for payoff. PHH refused to talk with the attorney. Since then I have gotten my Realtor involved, XXXX XXXX, of which PHH has refused to speak with her even though I have given permission for PHH to talk with her. XXXX and myself have call 30+ times, sometime several times a day only to be jerked around and given one excuse after another as to why they wont send us a payoff. PHH is a scamming company, and we believe they want to push us further out so they can foreclose on the property. We are simply asking for a payoff, they home has a buyer but we can not close without a payoff amount. PHH has been anything but helpful, again excuse after excuse. We can not get them to give a payoff and we need help, fast! Please and thank you. Ski # XXXX last 4 of ss # XXXX and address XXXX XXXX XXXX XXXX, XXXX, NC XXXX PHH contact # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2022 30 DAY DEMAND XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2022 30 DAY DEMAND XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hi, my name is XXXX XXXX. Transunion is failing to address and meet my demands whereas I submitted evidence and opened multiple disputes on my credit report for accounts that were compromised and opened due to identity theft. Instead of investigating which now it has been over 30 days since I contacted Transunion where I haven't heard back on any investigation results disputes or notified of anything that went on. They send me a letter pertaining to the dispute that they don't think that the information sent was from me the consumer when it was 100 % me and I provided proof of identification that the dispute was from me. Transunion is doing this to cover up and buy more time for these inaccurate, illegal reporting accounts on my report that is significantly harming me where I am unable to go for a mortgage loan in which I am currently shopping for. I need the CFPB to address this and help me Transunion already has all the documents required to get this investigation going and need the CFPB to help put pressure on Transunion to stop this illegal activity and to process these disputes so I can get these accounts that are not mine and don't belong to me off so I can get my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
My loan was transferred to Rushmore loan management service XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX. 

I sent 2 wire transfers prior to the last day of the Payoff estimate date. 
They held my XXXX  and did not apply the money to the loan and refused to send me the release of lien/reconveyance deed or notice of reconveyance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Someone else with same name that isn't me is showing on my backgrounds

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Over the past several years the interest rate has continues to even though i have made payments and have good credit, the interest rate is always fluctuating and increasing ; it never decreases. I took this loan out over 10 years ago and still have barely been able to make a dent in it. Also I have not been able to get any forbearances of deferments because they only allow so many in the entirety of the loan. I am a single mother of XXXX, I have never been able to utilize the degree that I obtain when I went to school as the economy way very bad when I graduated still. I am also on XXXX at this time and on a fixed income and the company doesn't want to willingly work with me on lowering my monthly payments so that they are affordable without the interest rate going sky high.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I recently received a copy of my ( XXXX, XXXX, XXXX ) consumer report on XX/XX/XXXX and I noticed some late payments posted on my consumer reports from XXXX. 
XXXX is in clear violation of the law, under 15 USC 1681b permissible purpose of a consumer report, THE LAW CLREARLY STATE : ( a ) In general Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


I did not give XXXX written instructions to furnish this on my consumer report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) under the exclusions from a consumer credit report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all late payments from my consumer report related to these account listed below, this agency is in violation of 15 USC 1681. 
Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of all late payments of the above referenced account, and update those corrections with the XXXX will result in legal actions against XXXX for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character 2. Neglegent establishment of identity fraud 3. Fair Debt Collection Practice Act 15 USC Violation 4. Fair Debt Collection Practice Act 15USC 1681 Violation for willful noncompliance civil liability, USC 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I use PayPal for several online purchases, specifically their app. I had to change one of my account numbers ( due to unrelated fraud on the account ). To keep this clearer : I had a XXXX card as my preferred charging option. New XXXX card was added the same day I got the new card. I set it as the preferred option again. I received no warnings that any subscriptions would need to be reviewed. I did not update or change anything for any of the other accounts. Today I log into my XXXX checking account and see my balance is considerably lower than I thought it should be and see that I have a PayPal transaction charged to it, which should have never happened. I did not authorize that. I immediately log into PayPal and see that not only did that transaction post but I have a second one that shows it has gone thru today as well. That will put my account negative and at this point, Im frustrated. I use my credit card for these purchases, not my checking account, because I keep the balance low intentionally and this is not what I authorized or signed up for. When I reached out to PayPal : their answer was to tell me they cant change was has posted. Never did they address my repeated complaint that the transactions were not authorized from that payment account. Their app should have had a warning or a prompt like youve changed your preferred payment : do you want to check your subscriptions too?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Receivable Recovery Services, LLC
State: PA

Complaint narrative:
I have notified XXXX that the receivable recovery account on my credit report is a result of identity theft. I sent a 605 identity theft letter as well as a ftc identity theft report. According to the federal law XXXX has 4 days to block the identity theft account from my credit report but they have failed to do so. It has been well over 4 days and XXXX is refusing to comply with the law. I also have a tracking number to prove that the notice was delivered to XXXX. 

Tracking number for experian : XXXX Tracking number for Receivable recovery : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I applied for this card from a solicited contact from the company saying I was approved. I was approved for a {$700.00} credit limit and was aware of the interest rate when I applied. When looking at the terms, I always scan for the the fees and percentages. With nothing out of the ordinary, I completed the application. I used the card on several occasions and logged on to see my balance and was shocked to see a $ 175 yearly fee added. So my {$700.00} credit limit just became a {$520.00} limit. I contacted the card company and spoke with XXXX # XXXX and was advised that a fee amount was not provided but did say a yearly fee would be applied. Even after being approved for the {$700.00}, I was never told that the fee would be 25 % or {$170.00} or given the right of refusal. XXXX said the fee is determined later after the application. I didnt know until I looked at my account what that fee was. XXXX offered no compromises or rationale as to why I wasnt given the right to stop the application process when a fee was determined. They knew that they were going to be charging the max of 25 % but also they also know that the majority of people would not accept this offer if being up front and honest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX I have not been able to open any banking account do to this early warning system company. I have tried numerious times to get in contact with them to fix problems on my report. Each time i contact them it is a different problem. I have filed or attempted to file disputes claims on each case. when told to fax the information the fax number never works. My main issues is why am i on this system when i owe no money to any of the numerous banks i have tried to open accounts with. When opening these accounts i had financial issues and was uable to fund the accounts at the time so they closed account. thats it. no money owed to any financial institution. They claim that there is not way to get off of their system which up until now i am still not able to open a checking account anywhere. The customer service representives are rude and do not provide help with solutions to fix consumer issues. I cant even get it taken off. This has caused problems in my life not being able to open any account. I was almost successful in getting a account with XXXX XXXX. Account was open i received account numbers and when i went into the bank to fund the account I was told to contact the early warning system. Opening up accounts and not fully funding them is not a crime no against the law. I owe no money to none of these banks and I cant get this negative information off of my consumer report. I am XXXX XXXX XXXX and need a checking account, Please please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: CA

Complaint narrative:
In 2010 my income sensitive payment program was approaching its fulfillment time of 25 years, so I contacted my loan servicer to find out what the process of completion was. At that time I was informed that my loan had been transferred from its original servicer to MOHELA two years previously and that I was no longer on the ISRP but had automatically had my loan placed on MOHELA 's XXXX program and that the 25 year forgiveness period started all over again with the new servicer! I am now XXXX XXXX XXXX and my loan will not be forgiven until I'm in my nineties! In the meantime, as interest has accured, my credit report shows that I owe more than {$150000.00}. up from my original {$43000.00}. loan through interest. I applied for forgiveness for my work in nonprofits but was turned down because they were not qualifying nonprofits. I can not purchase a home, nor anything else requiring a credit report because of this debt, although I have been meticulous in keeping up my status with the loan servicer. This " start over again '' policy on firgiveness when a loan is transferred without the borrower 's knowledge or permission is a federal scam!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Experian has not allowed me access to my credit report or credit score to either me, or any financial organization. I have tried to get access to my Experian records/score for years!!! I have submitted multiple requests for help from Experian with NO RESPONSE! As of today, I spoke with them again. Again, I spoke with 6 different people. Again, they either could not or would not resolve the issue. Nor tell me the problem, The only questions I have asked repeatedly is " why can banks, lenders, credit card companies or me, why can we NOT access my Experian credit report or score? No one has been able to tell me or grant access to this report/score. I first discovered this when I went to buy a home in 2020. The financial lender said they were unable to 'pull ' my Experian credit report. As a direct result, I was unable to get the 'best ' rate as my risk was unable to be accurately determined without all 3 credit bureaus reports being available the underwriters. No one I spoke with at Experian was able to fix, resolve, etc. Finally, I ask/beg the US Consumer Financial Protection Bureau to intervene on by behalf. I am SURE that this is happening to thousands of Americans- the result being higher interest rates in millions of dollars in mortgages and credit cards. Bad news for many, many Americans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$18000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX XXXX AMOUNT : $ - DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX  XXXX AMOUNT : {$3500.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$4800.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : FNB OMAHA AMOUNT : {$20000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX AMOUNT : $ - DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
I currently have a mortgage with Freedom Mortgage. I am trying to refinance my home loan and requested a Verification of Mortgage from them. The VOM is incorrect and states that I have been more than 30 days late 2 times last year. When in fact I have never been late. I have called everyday for the past 3 weeks with no resolution. Freedom has been unable/unwilling to assist in fixing this issue or letting me talk to someone who can fix it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Inaccurate reporting for XXXX XXXX XXXX/XXXX ( previously held by XXXX  ) Accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX TRANSUNION 12 different XXXXXXXX XXXX XXXXXXXX Accounts are showing one late payment of 90 days for the month of XXXX 2019, but no 30 or 60 day notices of a late payment are present on report. It would not be possible to have missed 90 days of payments, given that the very next month of XXXX 2019 shows as on time, and all other payments since on are also time as well. 

XXXX XXXX different DEPT OF XXXXXXXX Accounts ( previously held by XXXX  ) are showing one late payment of 90 days for the month of XXXX 2019. 4 different DEPT OF XXXXXXXX  Accounts ( previously held by XXXX  ) are showing a late payment of 90 days for the month of XXXX 2019, but no 30 or 60 day notices of a late payment are present on report. It would not be possible to have missed 90 days of payments, given that the month of XXXX 2019 shows as on time, and all other payments since on are also time as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Inaccurate reporting for DEPT OF EDXXXX XXXX  previously held by XXXX  ) Accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  Accounts are showing one late payment of 90 days for the month of XXXX 2019, but no 30 or 60 day notices of a late payment are present on report. It would not be possible to have missed 90 days of payments, given that the very next month of XXXX 2019 shows as on time, and all other payments since on are also time as well. 

EXPERIAN 9 different DEPT OF ED/XXXX Accounts ( previously held by XXXX  ) are showing one late payment of 90 days for the month of XXXX 2019. 4 different DEPT OF ED/XXXX Accounts ( previously held by XXXX  ) are showing a late payment of 90 days for the month of XX/XX/2019, but no 30 or 60 day notices of a late payment are present on report. It would not be possible to have missed 90 days of payments, given that the month of XXXX 2019 shows as on time, and all other payments since on are also time as well.

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