vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: NY

Complaint narrative:
I have completed 10 years of eligible XXXX XXXX in XX/XX/XXXX and am waiting for both FSA and MOHELA to process my information to have my loans processed and XXXX. 

MOHELA : I have requested to change payment plans to a different Income Driven Repayment ( XXXX ) plan on XX/XX/XXXX, and to be placed on a processing forbearance ( which is eligible towards XXXX ), which I was told would occur within XXXX business days ( during a phone call on XX/XX/XXXX ), and has not. 

Federal Student Aid ( FSA ) : the website has the incorrect number of eligible payments ( payment count is XXXX ) listed for me for Public Student Loan Forgiveness ( XXXX, ) holding me back from full forgiveness and discharge of my loans for 10 years of eligible employment in non-for-profit hospitals. The months in question include XXXX & XX/XX/XXXX ( for which I have documentation that these months are eligible ). I have submitted a Reconsideration Request ( # XXXX & # XXXX ), without resolution on XXXX/XXXX and XX/XX/XXXX. I have also submitted a " buy back '' request on XX/XX/XXXX ( Case # XXXX ), which I have had no updates on or an offer to buy back the months I need to achieve forgiveness and loan discharge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: TX

Complaint narrative:
American First Finance is reporting a charge-off of {$2900.00} on my credit report. However, there are significant issues with their handling of this account : 1. Failure to Provide Supporting Documentation : Despite multiple requests, American First Finance has not provided any documentation to validate the reported charge-off amount.

They have not issued a 1099-C form for the canceled debt, which is required if they reported the charge-off amount as forgiven or canceled.

They have not provided any statements or breakdowns showing how the charge-off amount was calculated.

2. Inconsistent and Incomplete Reporting : The amount reported on my credit report lacks transparency, and they have not provided any explanation for discrepancies when I requested additional information.

3. Negative Impact on Credit Report : The inaccurate reporting of this charge-off has negatively impacted my ability to secure credit or loans. The lack of documentation and clarity has made it impossible for me to address or resolve this issue effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: NV

Complaint narrative:
Subject : Mortgage Payment Error and Unfair Late Fees Complaint Summary : I recently discovered that my mortgage was placed in default due to a short payment, which I was unaware of for two months. Despite having paid a total of {$5900.00} by XXXX, the bank refused to apply my payments to the mortgage account because of a shortfall of {$580.00} in XXXX. This shortfall was related to the escrow account reserve for taxes, not the actual interest payment. The bank has now demanded {$24000.00} in late fees and refuses to accept further payments unless the late fees are paid in full. 

Details of the Issue : Payment Application Issue : By XXXX, I had already paid {$5900.00}. Even if my XXXX payment was short by {$580.00}, the payment should have been applied to the mortgage account. The unpaid amount was not related to interest but to the escrow account reserve for property taxes. Despite this, the bank treated the shortfall as if it was a missed mortgage payment and escalated the situation unnecessarily. If penalties were applied starting from XXXX based on a {$1300.00} shortfall ( from both XXXX and XXXX ), it is unreasonable to demand {$24000.00} in penalties for such a small deficit. 

Excessive Late Fees : A penalty of {$24000.00} for a shortfall of {$1300.00} is excessive and disproportionate. The penalty calculation appears arbitrary, and there has been no clear explanation or breakdown of how this amount was determined. 

Refusal to Accept Payments : The bank is refusing to accept further payments until the full penalty amount is paid. This has escalated the issue unnecessarily and has caused significant financial distress. 

Requested Resolution : Apply the {$5900.00} paid to the mortgage account and adjust or waive the excessive late fees. 
Allow me to resume regular payments to bring the mortgage current. 
Provide a detailed breakdown of how the {$24000.00} penalty was calculated and clarify why the escrow reserve shortfall was treated as a missed payment. 
This situation has placed an undue financial burden on me and appears to violate fair lending practices. I request your assistance to resolve this issue and allow me to bring my account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am In the process of being homeless due to an issue caused by a US bank as I am not getting approved for a home loan due to a late payment with US BANK. 

I left the country for a month, and before I left I submitted a payment for my auto loan as I normally do. I received a confirmation from US bank that my payment was processed. When I got back to the US I was able to log into my us bank account only to find out that the payment I submitted had an issue. Mind you, this was the first time I had this issue, US bank failed to inform me that there was an issue with my payment and now they are reporting me as late. I talked to them and they told me they are only required to send me a physical letter which I confirmed with my local post office that it was never received. US bank then stated that they are only required to do that and therefore they don't let customers know of issues with payments. I talked to XXXXXXXX XXXX and they confirmed that they do provide that service. I am upset that US bank does the bare minimum to communicate with customers, and sending letters is not effective as letters can be lost in the mail, which seems happened to me. I don't think this is fair and I would like US Bank to remove this report from my history. I have not had any late payments and the month of XXXX was the only exception due to the US bank 's lack of ways to communicate. I also sent a screenshot of all the letters that get uploaded to the US bank app from them and no letter is available with their notice, the point of that function is to prove that they sent the letter and that doesn't even reflect on my app.

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 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX of 2024 I had a potential client who wanted to book a brow service in the amount of {$110.00} for XX/XX/XXXX. She wanted to book for 5 people. She expressed to me that she wanted to send the full payment upfront to secure the date but she doesnt use payment apps due to issues in the past and that her bank restricted her from using these apps until further notice. She told me that she will send a check to my email for me to deposit into my mobile Chase app. I told her that I havent had anyone do that and dont want there to be issues. She assured there wouldnt be. She asked for me name and email who I banked with. I gave her my info and proceeded with sending me the {$400.00}. Once I deposited that she told me she would send the rest immediately. She asked me to send her the confirmation once deposited. So I told her that she could just bring the check in at the time of her appointment but she told me she would love to make the payment now for some reason. The next day XX/XX/XXXX I deposited the check at XXXX. Through the app and I snapped a pic of the confirmation and sent it to the client. She then goes on to tell me she would send me another check for the remaining balance and I wasnt able to deposit because the check wouldnt fit the rectangle. So on XX/XX/XXXX I saw that the funds were available to me and that the check cleared. The client text me saying her nieces groom was involved in an auto accident that morning and that his condition was critical and he was in XXXX. So she needed to cancel her appointment. She asked for the money back and me to send the money to her sibling. So expressed that was fine and I proceeded to sending the {$400.00} back with sending a {$1.00} first and then the rest {$390.00}. Once received she said thank you and happy holidays. I then received a check from my bank on XX/XX/XXXX stating that they returned the check due to not being able to locate the account number and that they withdrew {$400.00} from account. The client scammed me with a fake check that I was completely unaware about. So I called my bank and explained to them that I had no idea I received a fake check because they approved it and the check cleared and the funds were available to me. I thought they wouldve picked up on a fraudulent check right away and Im frustrated because they didnt help me and begged for a refund. I really hope you can help get my money please. I have a child and this impacts me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are several unverified items on my report that I am requesting to be deleted per my legal rights under the FCRA - Fair Credit Reporting Act : XXXX XXXX XXXX XXXXXXXX This Account is unverified. Delete Immediately. 

XXXX XXXX XXXX XXXXXXXX This Account is unverified. Delete Immediately. 

XXXX Account XXXX. XXXX This Account is unverified. Delete Immediately. 

XXXX Account XXXX. XXXX This Account is unverified. Delete Immediately. 

XXXX Account XXXX. XXXX This Account is unverified. Delete Immediately. 

XXXX XXXX XXXX  Account No. XXXX This Account is unverified. Delete Immediately. 

XXXX Account XXXX. XXXX This Account is unverified. Delete Immediately. 

XXXX Account XXXX. XXXX This Account is unverified. Delete Immediately. 

XXXX Account XXXX. XXXX This Account is unverified. Delete Immediately. 

XXXX Account XXXX. XXXX This Account is unverified. Delete Immediately. 

XXXX Account XXXX. XXXX This Account is unverified. Delete Immediately. 

XXXX Account XXXX. XXXX This Account is unverified. Delete Immediately. 

XXXX Account XXXX. XXXX This Account is unverified. Delete Immediately. 

XXXX Account XXXX. XXXX This Account is unverified. Delete Immediately. 

XXXX Account XXXX. XXXX This Account is unverified. Delete Immediately. 

XXXX Account XXXX. XXXX This Account is unverified. Delete Immediately. 

Delete these unverified accounts immediately.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was under a free trial with experian credit reporting services the day before my trial ended I was charged the full amount for services and had to wait for 48-72 hours for a full refund to my account. In result the representative failed to explain why I was charged before trial end date and proceeded to offer a monthly discount service rate which I declined.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently checked my Experian account and discovered several instances of suspicious activity conducted without my consent. Experian appears to have accessed and used my personal information for various purposes, as detailed in messages sent to me via their website. The activities included : Running my information against the USPS database Running my Social Security Number ( SSN ) against report data Scanning my neighborhood for XXXX XXXX  Running my information against municipal court system records Running my information against the dark web Searching for alternate lending activity These actions were carried out without my explicit consent, and my personal information was accessed and used inappropriately. I have screenshots of the messages from Experians website confirming these actions.

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 2025-01-13 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: 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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Reached out to transunion about inaccuracies reporting to my credit report. The inaccuracies are 28 inquiries that I reported unauthorized. They have failed to remove those 28 inquiries that are reporting inaccurate. I have talked to someone over the phone as well as I sent a letter naming all 28 inquiries.

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 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America I have try multiple times I even emailed them proof I didnt make charges of {$320.00} from XXXX XXXX I got a email from them with a person who used the card behind my back on line it say you will get a credit in one to three day it well over 6 days and still no credit in my account and no details where to send the proof except a fax number in which Im going to send again

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 monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I discovered on Sunday XX/XX/XXXX that someone has fraudulently accessed my Experian Membership. They have changed the associated email address and unfrozen my account. I can not get through to a live person at Experian. Their automated system can not help with my request and then the system hangs up on you when they can't get you to someone.

This is incredibly important and scary on my part to know that someone has been able to change this information. This should be a priority for Experian.

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 2025-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: MS

Complaint narrative:
CMG Mortgage failed to apply my escrow funds to my new homeowners insurance policy on XX/XX/year> with XXXX policy number XXXX through XXXX. 

The previous insurance company, XXXX was canceled and submitted fraudulent documents to CMG in the amount of {$6300.00} an increase of approximately 225 %. 

A cancellation letter was mailed to XXXX XXXX ( mortgagee ) on XX/XX/year> for nonpayment of premium. 

XXXX XXXX was out of state working and upon discovering the insurance cancellation immediately had a new homeowners policy in place XX/XX/year> with XXXX XXXX XXXX XXXX XXXX through XXXX. 

XXXX XXXX ( mortgagee ) learned of XXXX submitting fraudulent documents to CMG Mortgage in XX/XX/year>. 

XXXX XXXX was advised by CMG mortgage via phone conversation and in writing to cancel the homeowners policy through XXXX ( which was already done in XX/XX/year> to go into effect XXXX XXXX ). 

CMG mortgage doubled down on stupid in writing requesting the information of my homeowners insurance policy for XX/XX/XXXX, XXXX XX/XX/year> after my new insurance policy to XXXX XXXX XXXX XXXX XXXX XXXX paid through escrow. 

XXXX had to be threatened with a lawsuit to return XXXX XXXX money. XXXX needs a lawsuit for filing fraudulent documents to mortgage companies. 

CMG Mortgage needs to admit the notification of errors.

Company response to consumer: Closed with explanation