vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: MA

Complaint narrative:
Hello, my federal loans were transferred from XXXX to EdFinancial in early XXXX. Prior to my loans being transferred, I paid ( 2 ) of my loans ( in full ) to XXXX ( XX/XX/XXXX ). Once the forgiveness was announced, I called EdFinancial ( late XXXX ) to request a refund of the two loans I paid ( during the forbearance period ) and they stated that it couldn't be returned because I paid those loans to XXXX and not EdFinancial. 

I have had other loans transferred to a different servicer -- and all of my payment history was transferred with the account, so I don't understand why EdFinanical is any different? I went on my XXXX account to see if I can request a refund there, but I can't seem to access anything ( as my remaining open loans were transferred to EdFinancial ). It seems like this is a common issue that those that have had their loans transferred to EdFinancial, are facing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DISPUTE STATUS, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: CA

Complaint narrative:
XXXX # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DISPUTE STATUS, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates

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 2022-10-15 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: CA

Complaint narrative:
XXXX account # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates!!

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 2022-10-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX account # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: CA

Complaint narrative:
XXXX account # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates!!

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 2022-10-15 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: CA

Complaint narrative:
XXXX # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, ACCOUNT RATING, PAYMENT STATUS, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates

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 2022-10-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, ACCOUNT RATING, PAYMENT STATUS, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: CA

Complaint narrative:
XXXX # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, ACCOUNT RATING, PAYMENT STATUS, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates

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 2022-10-15 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: CA

Complaint narrative:
XXXX # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, ACCOUNT RATING, DISPUTE STATUS, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates

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 2022-10-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/2020 I signed documents pertaining to the acquisition/purchase of my home at XXXX XXXX XXXX XXXX New York XXXX XXXX However the pervious property owner is in violation for failing to deliver what was promised as I am yet to be notified of acceptance as the New owner an my signature doesn't appear on the Warranty Deed ( fraud ) ( violation ) all parties are to be presented at signing 15 USC 45 , I never received the purchase money loan ( cash advance ) that entails a finance charge from The Veteran Affairs, Veterans XXXX XXXX XXXX XXXX Wells Fargo Home Mortgage , A Promissory Note doesn't constitute a loan. A LOAN means debt evidence by Promissory Note plus interest, I XXXX XXXX XXXX am yet to identify what was loaned to me by The XXXX XXXX,, XXXX XXXX XXXX XXXX and or Wells Fargo Home Mortgage. There is no Contract how can a Trustee enforce what I never accepted? There is no contract. The mortgage is the agreement that pledge the property as collateral for the loan, But once I am yet to identify what was loaned to me. There is also violation of not having the NOTICE so I assert my right not to pay all to creditors under contract, The collateral can not be the loan, the collateral is my home. Where is the loan proceeds

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 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
XXXX XXXX XXXX  is now reporting as LVNV Funding LLC {$440.00} balance Has different names appearing on my credit reports that was taken off previously. 

XXXX reports it as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX reports it as : XXXX XXXX XXXX LVNV

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: CA

Complaint narrative:
I've recently received my consumer report from EQUIFAX and noticed that there were unauthorized accounts being furnished.On XX/XX/2022 I wrote a letter which was sent overnight and received XX/XX/2022 tracking number being XXXX ( confirmation attached ) In this letter I've communicated to EQUIFAX letting them know that I was aware of the fraudulent accounts reporting on my consumer report. ( XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX ) I also explained to EQUIFAX that I hadn't given them written or oral consent on my behalf which according to the FCRA are required before any consumer reporting agency furnishes any account.According to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.With EQUIFAX reporting these accounts they are in violation of that subsection as well as 15 usc 1681 ( n ) ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. I'm demanding EQUIFAX TO BLOCK AND REMOVE the accounts listed above or I will presume litigation for all damages caused by this consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: CA

Complaint narrative:
XXXX # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, ACCOUNT RATING, DISPUTE STATUS, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates

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 2022-10-15 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: CA

Complaint narrative:
attachment for XXXX # XXXX ERRORS ARE HIGHLITED!!

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 2022-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc
State: VA

Complaint narrative:
Received notice of bill. Did not state I could dispute just demanded payment. Sent a validation letter in XXXX of XXXX. Never received a single validation or notice or anything. Then they put it on my credit report dropping my score without a single response to my letter. Filed dispute with credit bereau. XXXX city lies and claims they never got a letter. Funny how theses collection company always lie and claim they never got a letter and then once they are notified to remove it from the credit report because they failed to follow fdca guidelines they have not removed this. This item was also paid for by insurance It is not a valid debt it is also a medical debt and can not be placed on credit report They have violated every single fdca act law and should be fined

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
We were informed on XX/XX/XXXX XXXX XXXX ( XXXX # XXXX loan originator ) that our loan increased from 3.5 % to 7 % due to XXXX XXXX stating that we fell through the cracks, he dropped the ball because he was very busy at that time. 
XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX ) is the preferred lender of XXXX XXXX XXXX. Their solution was to give credits to reduced mortgage to 4.5 % because 3.5 % isnt available anymore. XXXX XXXX was contacted repeatedly before interest rates began to rise for counseling and advise. He ignored every call and did not answer emails regarding interest rates and this is the result. 
On XX/XX/XXXX XXXX contacted me to do a long term rate cap with free float down. At that time our interest rate was 3.5 % and we were looking to go down to around 3 %. We were okay with that. On XX/XX/XXXX XXXX sent out loan papers and the rate was not fixed though his calculations were based on 3.5 %. I emailed XXXX asking questions about the discrepancy and asked for advice and counseling. He nor his office ever contacted us. Just as they never contacted us regarding any communication about fixing the interest rate before the interest rateincrease started in XX/XX/XXXX. He just left us high and dry. 
Now XXXX who is a preferred lender of XXXX XXXX XXXX expects us to pay {$2100.00} at closing for credits ( we originally had a {$3800.00} refund ) and over $ XXXX year on a 30-year mortgage fixed at 4.5 % due to their lenders negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Tried to have them removed but unsuccessful

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Tried to have them removed but unsuccessful

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 2022-10-15 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: CA

Complaint narrative:
I've recently received my consumer report from EQUIFAX and noticed that there were unauthorized accounts being furnished.On XX/XX/2022 I wrote a letter which was sent overnight and received XX/XX/2022 tracking number being XXXX ( confirmation attached ) In this letter I've communicated to EQUIFAX letting them know that I was aware of the fraudulent accounts reporting on my consumer report. ( XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX ) I also explained to EQUIFAX that XXXX hadn't given them written or oral consent on my behalf which according to the FCRA are required before any consumer reporting agency furnishes any account.According to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.With EQUIFAX reporting these accounts they are in violation of that subsection as well as 15 usc 1681 ( n ) ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. I'm demanding EQUIFAX TO BLOCK AND REMOVE the accounts listed above or I will presume litigation for all damages caused by this consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: MOHELA
State: MO

Complaint narrative:
My loans were transferred to MOHELA in XX/XX/2022. I've submitted XXXX periods of employment for PSLF but MOHELA says I only have XXXX. I've emailed repeatedly and have been on hold on the phone for 2 hours just to be told that they can not find an account under my social security number, then the automated system disconnects me. I CLEARLY have an account, as I can see it when I log in to their website. No one will call me when I email. I can not get through on the phone. My PSLF paperwork is just sitting there. I should be eligible for forgiveness NOW. PLEASE HELP!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells fargo bank Account XXXX Is reporting on my credit profile a wrong information, and is making me unable to open a bank account in another bank institution. It is reporting as a credit card on my credit report when it was not! Neither i had a credit limit with them.

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 2022-10-15 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Unrecognized credit pulls on credit profile

Company response to consumer: Closed with non-monetary relief