vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
my new account shows derogatory on my credit bureaus and in chapter XXXX ... this account was never in chapter XXXX or derogatory///account 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 2022-06-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
my new account shows derogatory on my credit bureaus and in chapter XXXX ... this account was never in chapter XXXX or derogatory///account XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: WA

Complaint narrative:
We submitted a refinance application to Flagstar bank in late XXXX XXXX. After XXXX XXXX months of being in process, we were told a separate flood insurance was required on our semi-detached garage AKA outbuilding, because our current flood insurance was not inclusive of this building, even though that policy does clearly say inclusive of outbuilding. We conceded but were barred from upping the coverage on this existing flood policy, " it has to be a totally, separate policy. After XXXX policy was submitted, we were then told that the debris & sandbag must be in a separate rider??? After several modifications trying to satisfy their ongoing demands, Flagstar 's representative XXXX XXXX stepped in and dealt directly with the flood insurance company. We finally were allowed to close but for closing we received XXXX different closing docs all with different escrow amounts, receiving the final amount stating an overage in escrow of XXXX on the day of closing XXXX, XXXX. 
In XX/XX/XXXX we received a letter from Flagstar stating that a flood insurance policy of {$250000.00} was required on the semi-detached garage AKA outbuilding? We immediately contacted XXXX XXXX ( Flagstar 's representative ), And sent us an email confirming that this XX/XX/XXXX letter was sent in error and this refinance is CLOSED and resolved internally? We have now learned that a forced flood insurance, effective, we guess in XXXX XXXX, was placed on our property making us then have XXXX flood insurance policies. 
That we have a {$2100.00} shortage and that even though we complied with every demand this mortgage company issued we still got harmed and have no trust / security. 
And we feel that we are being discriminated against because of ethnicity and age.

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 2022-06-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX issued an inquiry to my Experian report. I called them and informed them that I bever tried to get a loan because I never prequalified for a loan based upon my financial history at the time. 

This company stated that they do not have a recollection of my application and never conduct hard pulls for financial service. 

This was explained to Experian credit reporting agency and they refused to investigate and delete the inquiry.

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 2022-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: MO

Complaint narrative:
I have been contacting Discover for several months to update my address since I did not receive a statement. My address was not updated and I never received a billing statement. I noticed on my credit report that they reported my account as past due. I contacted them to pay the bill and they offered me a settlement amount which I paid. I was advised that my account would be reaged since per the FCRA, they could not report me as past due since I did not receive a statement. I received the attached letter to confirm my account was settled but when I contacted them back they advised they had no record of updating my credit history. Cleary, I had the ability to pay over $ XXXX for the debit but once they took my money, I feel like I was deceived and they will not take the responsibility to resolve an easy issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
On XX/XX/2021 I was approved for a COVID Relief Mortage Modification, but it required my ex-wife to sign the documents. Because I had an injunction against her that was not possible, so I explained that to the bank rep, and they requested I provide my final divorce decree, so I did. 

Next, they requested I have my ex-wife sign a quit claim deed. However, the County Comptroller informed me that the recorded deed did not have my ex-wife listed, so a quit claim was not required. That was explained to the bank rep and a supervisor, but they insisted they had a deed with her name listed, so I requested a copy of the document and received the " Mortgage '' instrument, which was also recorded with the County Comptroller, but the comptroller explained that was not the deed, but a security instrument on the banks behalf that only they can modify. That was explained to the bank rep, but they insisted I had to submit a quit claim deed. I further explained to the bank that the final divorce decree states it may be used in lieu of my ex-wife 's signature to modify the mortgage because she failed to comply with the judge 's order to sign the document. The bank rep notated the account and informed me it was going to be reviewed by their underwriting department. 

Those events spanned approximately 5 months before I received yet another letter requesting a quit claim. I did not know what else to do and my account changed from " Loss Mitigation '' back to delinquent.

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 2022-06-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT ALL OF THE LISTED BE REMOVED TO CORRECT MY CREDIT FILE I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THESE ITEMS IMMEDIATELY OR I WILL GET MY ATTORNEY INVOLVED.

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 2022-06-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT ALL OF THE LISTED BE REMOVED TO CORRECT MY CREDIT FILE I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THESE ITEMS IMMEDIATELY OR I WILL GET MY ATTORNEY INVOLVED.

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 2022-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I received an offer for a Jet Blue credit card. I called to discuss the offer because they gave me something different then i accepted. During the conversation I said I did not want to do business with the credit card company because I felt it was under false terms. I told them close the account, i did not want a card or any business with them. After the conversation i thought i was all set. I never received a card or any corespondence from Jet Blue. 

About 2 months later i received a email from a credit reporting agency stating i was delingient 2 months with Barclay credit card. I did research and found out it was jet blue. I called asked to have the previous call reviewed and asked to speak to a manager and that was declined. I stated i never received a card, bill, never activated or used the card and didnt understand how the card was used which caused me a bill. I was transferred around and then finally told i would get a call back. I got a call back from the fraud unit who was very rude and dismissing and said it was not fraud and they again would not allow me to speak to a manager or have the call reviewed where i said i never wanted the card because i felt JET BLUE LIED about the offer. 

I have worked very hard to build my credt and this caused my credit to drop over 100 points! PLEASE HELP resolve this issue

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 2022-06-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT ALL OF THE LISTED BE REMOVED TO CORRECT MY CREDIT FILE I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THESE ITEMS IMMEDIATELY OR I WILL GET MY ATTORNEY INVOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Nelnet reported to all 3 credit bureaus that I had a student loan taken out with them. I have never applied for a student loan, I have never received a student loan, and I have never signed a contract for a student loan. This fraudulent loan was taken out with the use of my social security number ; however my name is not on the contract. 

The references on the contract are not my relatives. 

My name and my signature are not on the contract. 

Nelnet refused to provide the original contract to me for over two years ; however continued to tarnish my name and credit score with false and fraudulent reports to all credit bureaus. 

Nelnet reported my name and information to several third parties without written consent to share my personal and private information showing their illegal practice. 

I have filed multiple police reports in which Nelnet has ignored. The police know the individual that applied for this loan in my name and Nelnet will not respond, they continue to fraudulently report my information to third parties. 

Nelnet has information with 3 different names, 4 different addresses, and emails/phone numbers that have never belonged to me. 

This fraudulent loan has caused significant hardship, including killing   my buying power and tarnishing my name and credit score. I was unable to purchase my home because of the FRAUDULENT loan. 

Nelnet is reporting payments being made that I never made on this fraudulent loan along with other false information ( false names, address, phone number ) that Nelnet is providing to the credit bureaus without my consent, knowledge, and without factual proof. Nelnet is engaging in illegal practices that need to be stopped immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA

Complaint narrative:
Dear Sir / Madam, I have a Mortgage with Rushmore Loan Management Services. I was current and did not miss a single payment since XXXX. However, the effects of Covid and the circumstances and effects of the slowdown seriously affected my business  in XXXX and I was unable to pay my Mortgage since XXXX of XXXX till XXXX of XXXX. 

Rushmore sent me the XXXX invoice ( attached ) and followed it up with a letter dated XX/XX/XXXX. ( attached ). I wrote a check for the entire XXXX invoice ( attached ) and sent it to them, mailed from the XXXX XXXX XXXX office on the XXXX. of XXXX, As of today, XX/XX/XXXX. they have not cashed the check ( copy attached ) .I have written, faxed and posted my responses, to no avail. Communicating with them is difficult. 

I request your urgent assistance in this matter. 

Thank you, Kind regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: GA

Complaint narrative:
I filed a dispute with Transunion, XXXX and XXXX, credit reporting agency, I have paid off XXXX XXXX - account number - XXXX XXXX XXXX XXXX which was paid off in the amount of XXXX on XX/XX/XXXX. Transunion, has responded back to stating that the Dispute that I filed was inaccurate and the credit reporting is correct. 

This is not correct as this is paid in full with XXXX XXXX. This is a prime example of the reporting agency not really following up with your dispute request when consurmer are filing a dispute. 

Please update my credit file for this creditor. This is paid in full. Please see the attached paid in full letter and update my credit file for all agencies. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
On XX/XX/2022 I submitted a my annual employer certification form for Public Service Loan Forgiveness form FedLoan Servicing to update the counts towards loan forgiveness on my student loan account. Having not received any feedback or status update on the submitted employer certification form, I called FedLoan Servicing in XX/XX/2022 to determine what is the status of my employer certification and updated counts. I was told by a customer representative that they are unable to provide me any feedback on where in the certification process is my employer certification form because they have a backlog and it may take " several months '' to get to my application. I was advised to follow-up " in a few weeks. '' I followed-up with FedLoan in XX/XX/2022 and on XX/XX/2022. On both occasions I was told that FedLoan has a large backlog of applications they are working through and as such it may take several months to process my application. On both occasions I asked where in the certification process is my application and the customer service representatives noted that they can not provide me with that information. 

On XX/XX/2022, the customer service representative I spoke with ( name : XXXX XXXX asked whether I would like to be transferred to the PSLF department at which point I answered " Yes. '' I also asked XXXX for the direct number to the PSLF department and was told there is no direct number and I need to call the main FedLoan number and ask to be transferred to the PSLF department, if needed. After being transferred to the PSLF department I received a voicemail message noting that they are busy and I would need to wait 20mins for my call to be received. I opted for a call back. It has been more than an hour and I have not received a call back from the PSLF department. 

I am submitting this complaint because at this point it is egregious to have 20 loan payments not accurately reflected in my count towards loan forgiveness and consequently time being added to how long I can wait to apply for forgiveness, although I am employed by an eligible employer ( not-for-profit organization ). Each year I have submitted my employer certification and verified my income to be able to receive accurate counts towards forgiveness yet FedLoan is essentially forcing individuals extend the life of their loans by not updating borrowers ' payment counts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2022, my phone cell phone stop working, later in the day i see email from Citibank asking if i authorized a wrie transfer to " XXXX XXXX '' ( Never heard that name ) in the amount of {$50000.00} which i click " NO '' then in two mintues i receIved another email saying my transfer was release. I immediately call Citibank using my work phone to say that i did not authorized this transcation the representative simpily said " Oh this was send already you have to contact Fraud department and dispute it '' I CRY AND SCREAM no one listen.

I was advised by the Fruad department to fill out a form explaining what happened, i did that and Citibank Denied my claim. I am begging this is my hard working money that me and husband working and saving for years and in no minute Citibank gave it away. 
I went to the phone company and i was advised that my phone was hacked XXXX was swap, someone was using my phone to call Citibank to do this wire transfer. 
My cell phone was not working for me it was saying out of service. I have all records from the phone company showing XXXX was swap. 

I AM BEGGING SOMEONE PLEASE HELP ME TO GET MY MONEY BACK FROM CITIBANK I HAVE CHILDREN GOING TO XXXX  AND SCHOOL I NEED MY MONEY PLEASE.

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 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX HARD INQUIRIES THAT I DID NOT AUTHORIZE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: PA

Complaint narrative:
On XX/XX/XXXX FEDLOAN added a total of {$650.00} in " UNPAID INTEREST '' to my DIRECT SUB CONSOLIDATION LOAN ( {$350.00} ) and my DIRECT UNSUB CONSOLIDATION LOAN ( {$300.00} ). 


The above Federal Loans are under the XXXX XXXX XXXX XXXX pause that is in effect until XX/XX/XXXX and are mandated to not be accruing interest. 

FEDLOAN states they have no knowledge " why '' the interest is added to my account. They can not provide a reason or accounting for adding {$650.00} to my account.

I consolidated to FEDLOAN on XX/XX/XXXX per the XXXX waiver after paying my loans for almost 30 years total. I was hopeful that after decades and decades of mishandling my loans the XXXX waiver would be the end to my 30 year nightmare of paying for college. Now, it's a new scam - No PSLF and a bigger balance than I started with pre-COVID pause. 

Please help me. I have attached the FEDLOAN Consolidation Letter dated and my account from yesterday showing the {$650.00} " unpaid interest '' added to my balance. 

Thank you

Company response to consumer: Closed with non-monetary relief