vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: HomeTown Lenders, LLC
State: AK

Complaint narrative:
We refinanced our from a construction loan to a conventional mortgage with HomeTown Lenders in XX/XX/, but were required to have an escrow holdback to complete work on the home that was weather-dependent. We completed this work in early XXXX when the weather and contractor 's schedules finally worked out. 

XXXX XXXX over servicing our mortgage and regular escrow accounts in XX/XX/ and are not involved with this issue as far as I know. 
XXXX XXXX XXXX Escrow specialist at Hometown Lenders , contacted us on XX/XX/XXXX. 
-We turned in certificate of completion for the escrow holdback on XX/XX/XXXX. 
XXXX XXXX XXXX request, we turned in paid-in-full invoice from contractor stating we do not owe him anything XX/XX/XXXX and the payout should be going to us. 
-The final inspection was taking too long so XXXX asked us for pictures showing completed paint and siding to release the check to us XX/XX/XXXX, I sent those promptly. 
XXXX said she requested funds to be sent and was going to have a check number for us on XX/XX/XXXX. 
-It appears that XXXX left the company XX/XX/XXXX and my file was dropped on XXXX XXXX XXXX desk, the VP of underwriting. 
-XXXX could not help me or get me an update on the status of our check all of XXXX, appears to have left the company as of XXXX XXXX as well. 
XXXX XX/XX/XXXX that inspector finally showed up to confirm the work was completed. 
XXXX XX/XX/XXXX XXXX emailed me the contact info of XXXX XXXX XXXX XXXX XXXX XXXX and CEO. 
-After no responses, I tried texting XXXX XXXX XXXX number on Thursday XX/XX/XXXX, he seemed responsive by asking for details but then radio silence since then. 
XXXX managed to contact XXXX XXXX XXXX Monday XX/XX/XXXX, who confirmed she is no longer employed by Hometown Lenders . She gave me the Chief Transaction Officer 's XXXX XXXX contact info. 
XXXX XXXX answered the phone, asked for some details to be sent to his email and said to contact him at the same time the next day ( XX/XX/XXXX ) XXXX XXXX or XXXX would answer the phone, text, or email yesterday XX/XX/XXXX All of the people I worked with to refinance my mortgage are no longer employed at the company and the management keeps referring me to each other. It appears to me that the lender is having serious issues and I would like my Escrow Holdback funds to be paid out.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: VA

Complaint narrative:
I initially submitted a request to MOHELA on XX/XX/2023 to switch my IDR plan to the new SAVE plan. They denied my first request for no apparent reason, saying that I was ineligible for the SAVE plan. 

I submitted a second request, which was also denied, saying that my payment amount would be higher after the switch, which was not the case. 

I submitted a third request, which was ultimately approved, but the payment amount applied on my account was substantially higher than what the calculated payment was supposed to be. I contacted MOHELA and asked them why the payment amount was so different, and the individuals I spoke to " had no idea where that payment amount came from '' and submitted it to be reviewed and reprocessed yet again. 

While this was being investigated, I decided to consolidate my loans to take advantage of the limited-time IDR Waiver program in effect currently. As part of this consolidation effort, the application asked me which plan I would like to be on, to which I responded that I would like to be on the SAVE plan. 

Apparently, MOHELA tried to process the IDR plan request that traveled along with the consolidation request before the consolidation actually occurred, resulting in them denying the request yet again since I " had no eligible loans. '' Based on discussion with MOHELA, this " should never have happened. '' I contacted them another time this week ( on XX/XX/XXXX ) and they said they would have to reprocess the IDR plan request, which may take up to 35 days at this point due to volume. 

This whole process has been a nightmare and reeks of incompetence. The fact that it's been over 2 months and they have yet to successfully and accurately process a single SAVE plan request I've submitted is unbelievable. Now I'm being told I have to get in the back of the line yet again, which is going to negatively impact my pursuit of PSLF and getting qualifying payments if they have to put my account on a " processing forbearance '' while they learn how to manage the SAVE plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
THESE ACCOUNTS IS NOT MINE XXXX - XXXX XXXXXXXX XXXX - XXXX I NOT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THESE ACCOUNTS IS NOT MINE XXXX - XXXX XXXX XXXX XXXX XXXX I NOT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-04 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: Dovenmuehle Mortgage, Inc.
State: AL

Complaint narrative:
Company is still reporting inaccurate information on my credit report. Company is lawfully the DEBTOR by LAW Below are definitions and proof Im not the debtor. Lawful vs Legal Lawful means- Im accordance with the law Legal means- Permissible by law Lawful applies to laws of the land that GOD granted the LIVING, not the DEAD! A CORPORATION CANT GRANT ANYTHING BECAUSE ITS A DEAD ENTITY SO ITS IMPOSSIBLE FOR COMPANY TO BE THE CREDITOR! XXXX XXXX  XXXX  CREDIT definition- " CREDIT '' means the right GRANTED by a CREDITOR to a debtor to defer payment of debt or to incur debt, and defer its payment. debtor to defer payment of debt or to incur debt and defer its debt. DEBTOR- The term " debtor '' means person or municipality concerning which a case under this title has been commenced. CONSUMER DEFINITION- The term consumer means an individual or an agent, trustee, or representative acting on behalf of an individual. INDIVIDUAL, AGENT, TRUSTEE, or REPRESENTATIVE acting on behalf of an INDIVIDUAL. DEFINITION OF INDIVIDUAL-In determining the meaning of any Act of Congress, or of any ruling, regulation, or interpretation of the various administrative bureaus and agencies of the United States , the words " person '', " human being '', " child '', and " individual '' shall include every infant member of the species homo sapiens who is born alive at any stage of development. DEBTORS are FICTITIOUS entities. NOTHING DEFINED IN DEBTOR DEFINITIONS DOES IT INCLUDE NATURAL LIVING HUMAN BEING Im by LAW a NATURAL PERSON which is a LIVING HUMAN BEING. A ENTITY, PERSON, CONSUMER, HUMAN BEINGS, and INDIVIDUALS are in FACT NOT LIVING! Who could object??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Company is still reporting inaccurate information on my credit report. Company is lawfully the DEBTOR by LAW Below are definitions and proof Im not the debtor. Lawful vs Legal Lawful means- Im accordance with the law Legal means- Permissible by law Lawful applies to laws of the land that GOD granted the LIVING, not the DEAD! A CORPORATION CANT GRANT ANYTHING BECAUSE ITS A DEAD ENTITY SO ITS IMPOSSIBLE FOR COMPANY TO BE THE CREDITOR! XXXX XXXX  XXXX  CREDIT definition- " CREDIT '' means the right GRANTED by a CREDITOR to a debtor to defer payment of debt or to incur debt, and defer its payment. debtor to defer payment of debt or to incur debt and defer its debt. DEBTOR- The term " debtor '' means person or municipality concerning which a case under this title has been commenced. CONSUMER DEFINITION- The term consumer means an individual or an agent, trustee, or representative acting on behalf of an individual. INDIVIDUAL, AGENT, TRUSTEE, or REPRESENTATIVE acting on behalf of an INDIVIDUAL. DEFINITION OF INDIVIDUAL-In determining the meaning of any Act of Congress, or of any ruling, regulation, or interpretation of the various administrative bureaus and agencies of the United States , the words " person '', " human being '', " child '', and " individual '' shall include every infant member of the species homo sapiens who is born alive at any stage of development. DEBTORS are FICTITIOUS entities. NOTHING DEFINED IN DEBTOR DEFINITIONS DOES IT INCLUDE NATURAL LIVING HUMAN BEING Im by LAW a NATURAL PERSON which is a LIVING HUMAN BEING. A ENTITY, PERSON, CONSUMER, HUMAN BEINGS, and INDIVIDUALS are in FACT NOT LIVING! Who could object??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CMG Financial Services, Inc.
State: MI

Complaint narrative:
I have been declared by the VA as XXXX XXXX XXXXXXXX and no longer responsible for property taxes. On XX/XX/XXXX, I requested from CMG to stop my tax and property insurance monthly payments AND to refund my current escrow balance. I have been in contact with their customer service numerous times and have even been able to establish contact with a CMG employee from another department to assist me in my endeavor. As of this date, I have been partially reimbursed, however, I have not received all of MY money. CMG is also indicating that I am still required to submit a monthly escrow payment. I have only paid the P & I on my mortgage and CMG is indicating that this is only a partial payment. Help me get my refund and straighten this mess out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: OH

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 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 2023-10-04 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
The response from the company is not accurate. Apple never contacted me at the phone number provided. The transactions disputed were fraud my phone was compromised and the purchases were made. The disputes were resolved in favor of the merchant that is correct however they went based on that because shows transaction was made and it was. However transaction was not made by me. Despite me contating the merchant they still accused me of lying and made me pay for transactions I did not make. So the company never took a word I said seriously. And on top of everything I have a debt for fraudulent transactions I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Company is still reporting inaccurate information on my credit report. 


Company is lawfully the DEBTOR by LAW Below are definitions and proof Im not the debtor.

Lawful vs Legal Lawful means- Im accordance with the law Legal means- Permissible by law Lawful applies to laws of the land that GOD granted the LIVING, not the DEAD! A CORPORATION CANT GRANT ANYTHING BECAUSE ITS A DEAD ENTITY SO ITS IMPOSSIBLE FOR COMPANY TO BE THE CREDITOR! 


XXXXXXXX XXXX dictionary CREDIT definition- " CREDIT '' means the right GRANTED by a CREDITOR to a debtor to defer payment of debt or to incur debt, and defer its payment. 
debtor to defer payment of debt or to incur debt and defer its debt. 

DEBTOR- The term " debtor '' means person or municipality concerning which a case under this title has been commenced. 

CONSUMER DEFINITION- The term consumer means an individual or an agent, trustee, or representative acting on behalf of an individual. 

INDIVIDUAL, AGENT, TRUSTEE, or REPRESENTATIVE acting on behalf of an INDIVIDUAL. 

DEFINITION OF INDIVIDUAL-In determining the meaning of any Act of Congress, or of any ruling, regulation, or interpretation of the various administrative bureaus and agencies of the United States , the words " person '', " human being '', " child '', and " individual '' shall include every XXXX  member of the species homo sapiens who is born alive at any stage of development. 


DEBTORS are FICTITIOUS entities. 
NOTHING DEFINED IN DEBTOR DEFINITIONS DOES IT INCLUDE NATURAL LIVING HUMAN BEING Im by LAW a NATURAL PERSON which is a LIVING HUMAN BEING. 

A ENTITY, PERSON, CONSUMER, HUMAN BEINGS, and INDIVIDUALS are in FACT NOT LIVING! Who could object??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Officer, XXXX you every thing is going well. 
I am the XXXX XXXX XXXX owner, my name is XXXX XXXX.My Employer Identification XXXX. My passport number is XXXX from XXXX. Now I have a big problem I need you help. 
In last month XXXX I want to open a business account in Chase bank, and I asked the banker if I can get a new bank account for my company, the banker told me yes, I could have an account in their bank, and I need to close the XXXX XXXX XXXX  account I opened before, make a cashier 's check and give it to them, and deposit it into the new account they opened for me. After about three weeks of processing, they still can not open my company 's account. I have now closed the XXXX XXXX XXXX account, which has had a great impact on me, although I spend so much time and energy to deal with these things, but the result is XXXX. More than XXXX dollars still pending, I can do nothing with my business, I can't recruitment staff and any payment. My company can't run as well. 

Best wishes! 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Flexible Finance, Inc.
State: TX

Complaint narrative:
A few days prior to the XXXX of XXXX i enrolled in the app Flex Rent to assist in paying my rent. What they advertised was that they split your rent payment up over the course of the month allowing you to not have to pay all at once. I went ahead and paid more than half of my rent to them. A little over {$1100.00}. They said they would pay my rent in full. This never happened and there is absolutely no way to contact anyone at this business. Now they have my money and my rent is late and im incurring fees. I have done everything i can to reach these people. I have even contacted the bank they use thats listed on their site. NOTHING WORKS!! This is so awful and now im so desperately looking everywhere for help. I just want my money back and the fees paid so i can pay my rent and move on from this. I have done my own research and have found that this is an habitual thing for this business. They are hurting people so badly and have no care in the world.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-04 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: NY

Complaint narrative:
On XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-10-04 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. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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: 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. 

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 explanation