vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
Our original loan was with XXXX XXXX. In XXXX  they sold our loan to XXXX XXXX  which is now being serviced by Mr cooper. Recently we received a statement from Mr cooper that our escrow account was low and we needed to increase our monthly payments. I immediately tried to contact the company to let them know that we were not responsible for paying property taxes since my husband is XXXX  % veterans administration XXXX and the county exempted us from paying property tax, therefore the amount of the increase wasnt needed because we would not be paying property taxes. I attempted for an entire week to call them and the automated system constantly kicked me out and I could not get a live agent. I finally got someone on the chat function and they told me to email the information from the local property assessor to verify that property taxes would not be paid. That has been about 10 days ago and I still have not received a call back from the company or an email. I have tried every day again this week to call them and get a wide variety of issues from being kicked out of the phone system to today getting a message that their system is down. On another day the automated system said they were closed for a holiday, but there was not a holiday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
About a year ago, my loans were transferred from the original loan servicer to XXXX. Then I applied for a PSLF which afterwards my loans were transferred to XXXX. Since that last transfer, both XXXX and XXXX are reporting to the credit agency EXPERIAN that they both have the 13 loans I took out during while in school. So to EXPERIAN, it looks like I have 26 loans and the balances of all 13 loans are listed twice. That has doubled my student debt being reported from XXXX to XXXX dollars showing that I owe for student debt. My credit score took a nose dive of more than XXXX points at the beginning of the year. I can not get any kind of loan because everyone thinks I owe XXXX in student loan debt. I have filed a dispute with EXPERIAN, I have filed a complaint with XXXX, I have filed a complaint with the XXXX, and I have filed a complaint with the Department of Education. I'm not asking for anything more than accurate reports be sent from XXXX to the reporting agencies. My XXXX account shows a XXXX balance but they say they can not report that because the Department of Education has to release them from servicing the loan. Yet, that has already been done.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
As you know I am a victim of Equifax Data Breach and they illegally sold and bought my information and my identity was stolen. It is under investigation with CFPB, XXXX XXXX XXXX XXXX, and Ohio Attorney Generals Office. Even though it is under XXXX investigation XXXX XXXX illegally sued me and cost me lots of time, headache, and money. They dismissed the case voluntarily on XX/XX/year>. I want this account removed from my credit completely and if it is illegal to sue someone while the account is under investigation I wish to press charges and to be compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This is a follow-up complaint from a scam issue that started with a phone call on XX/XX/24. I did not answer, and the female left a voicemail message regarding fraud on my XXXX XXXX XXXXXXXX account with a reference number and call back number. A letter was received as well regarding the need for additional information to complete a " credit application ' with the same date and reference number as in the voicemail message. Again, I did not respond as I knew it was fraud. I have credit score services with Wells Fargo in addition to other accounts and they allowed " XXXX XXXX XXXX '' to run a hard inquiry on my credit report and without my consent or knowledge also on XX/XX/24. Since my initial and previous complaints here with Wells Fargo and XXXX XXXX XXXX no one wants to accept any fault. I received another letter from " XXXX XXXX XXXXXXXX '' on XX/XX/24 to please call them so they can help with " my credit card request and they need additional information ''. My credit report inquiry was done by XXXX XXXX XXXX XXXXXXXX in Texas not Delaware. This needs to be resolved and I can't call because my calls are probably being rerouted to the scammers. These people have my phone number, name, address and email and they must have part of my SS # as they did a hard inquiry on my credit report.

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 2024-03-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regional Acceptance is in violation of the Fair Debt Collections Practice Act and also the Florida Consumer Collections Practices Act. 

Both regulations/acts prohibits debt collectors from repeatedly or continuously calling you with the intent to harass, oppress, or abuse you.

Under the Debt Collection Rule, collectors are presumed to violate the law if they place a telephone call to you about a particular debt : XXXX. More than seven times within a seven-day period, or 2. Within seven days after engaging in a phone conversation with you about a particular debt Regional Acceptance has placed at least 20 calls to my mobile number since XX/XX/. This pattern has repeated itself on a weekly basis for several months. 

On XX/XX/2024, I contacted Regional Acceptance and established a Right Party Contact with 2 different agents and discussed my account. The last representative, XXXX advised me he was going to send my account to Management for review of a possible settlement. XXXX advised me that someone would contact me back via phone to discuss that settlement. Permission was given for this contact. 

On XX/XX/2024, I received a phone call from XXXX who advised me of the past due nature of my account and advised me that she was not contacting me regarding the settlement proposal and she was calling via an automated dialer to collect the debt. 

I explained to XXXX that I was shocked to be receiving a collection call since I had contact yesterday about the status of the account and was only expecting a call back about the settlement proposal. I also explained that the phone call was in violation of FDCPA which prohibited contact with me for 7 days since I had just spoken with them yesterday. XXXX advised me that she was allowed to call me because I didn't secure an arrangement on my account during previous discussions. XXXX also went on to explain that she was only doing what she was trained to do and wasn't familiar with any of the regulations/acts that I was describing. 

During this conversation with XXXX, XXXX also called me from Regional Acceptance about the settlement proposal. I explained to XXXX that I needed to release the call with XXXX. 

XXXX explained the settlement request I had made was counter offered. I explained to XXXX that I was no longer interested in a settlement and that I intended on filing this complaint and potentially pursuing litigious activity for violation of the above mentioned. 

I deem the repetitive phone calls and conversations harassment.

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 2024-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I am completely aware that I owe Tower loan XXXX for a loan. I explained to them that I am experiencing financial hardship and I will try to pay when I can. These people are constantly calling and coming by my house dropping off billing statements even after hours. I have emailed company about this matter. This is very unprofessional, annoying and a bit scary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I dispute unauthorized hard inquiries on my credit report, made without consent. They do not reflect legitimate credit inquiries. Request prompt removal per FCRA and FTC guidelines. Please investigate and confirm removal. Thank you.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts were terminated since XXXX and XXXX and should have been deleted from reporting on credit bureaus but were not and was inaccurate use of credit bureaus reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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:
These accounts were terminated since XXXX and XXXX and should have been deleted from reporting on credit bureaus but were not and was inaccurate use of credit bureaus reporting

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Debt Recovery Solutions, LLC
State: OR

Complaint narrative:
Debt recovery solutions recently put a collection on my report with an open date of XX/XX/2024. I have no knowledge of this account, I have not opened any account in the last 6 years and I have never used XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: MN

Complaint narrative:
I contacted SallieMae in order to discuss repayment options as I am unable to make the payments as they are scheduled. SallieMae told me that they do not offer any opportunity for consolidation or refinancing of their loans. They conned me into taking these loans ( I thought they were still affiliated with the federal government as before but they are now private which is deceiving ) with sky-high interest rates that have now increased the loans substantially and I am unable to pay them as they stand. They are expecting at minimum a {$600.00} to XXXX XXXX  monthly payment for my loans when I make a total of XXXX XXXX monthly. This is over 30 % of my income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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 2024-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WI

Complaint narrative:
The student loan servicer is failing to correct a long standing problem that I have repeatedly contacted them about. I am not receiving paperless notifications as they continue to reject my email address in their system. Every time I login I have to re-enter my email address and this causes my paperless notifications to stop until I re-enroll. The company makes it difficult to speak to a supervisor. Repeated phone calls have gone unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XXXX XXXX I opened a account with BestBuy, and ordered a gaming laptop, on XXXX, it was said that it was delivered after going to the door and it not being there my daughter immediately called Best Buy and told them that it was not there. They informed her that they would reship the order and after checking for that order on a daily basis and it taking so long to come on XXXX XXXX. I went back to Best Buy and canceled the order on XXXXXXXX  and purchased a laptop that they had which I was able to get that day. A couple weeks later I noticed that they had not taken the original purchase off my credit card so I went back to the store and I was told ( per the store manager that they canceled the replacement but they failed to cancel the original purchase which they often due ) I needed to call corporate.upon calling them I was told to file a police report, which I did, I was also told to take out a complaint with XXXX  XXXX. Upon calling XXXX I was advised that ( per BestBuy that the customer can not file a complaint that BestBuy had to do it.. after this situation on going for so long I received a call from XXXX executive office and was told that BestBuy was to be held responsible and that they had to remove the charges, however this is still an ongoing dispute and have now affected my credit..can you please help

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief