vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This has been an ongoing issue for me with XXXX XXXX I opened this account for credit a building opportunity. During the pandemic, I begin to experience hardships that I knew would potentially affect my credit and account. I called creditor to make an accommodation under the CARES ACT, and I requested for the account to be closed to prevent any damage to my credit profile. I paid the account as agreed. On my credit profile it is now showing late payments. 
I've contacted the credit reporting agencies numerous times for inaccurately reporting late payments on this account.

Per 15 USC 1666B a creditor may NOT treat a payment on a credit card account under an open end consumer plan late for any purpose.

I have paid as a agreed and no late payments should be reflecting on this 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 non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MD

Complaint narrative:
Hi, hope all is well. I opened a XXXX Bank account on XX/XX/XXXX. In XX/XX/XXXX, Huntington Bank purchased XXXX Bank and moved my account to Huntington Bank. I recently tried to access my funds, about {$8500.00}, and I was told by Huntington Bank that my account had a " Dormant Hold '' and that I would have to go XXXX miles to an in-person branch to access my funds. 

This money is being held XXXX by the fact that I can't make this XXXX mile trip to a bank I've never worked with, in a state that I've never been to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: MOHELA
State: PA

Complaint narrative:
Mohela has as of XX/XX/23 XXXX  out my students loans, however they are still showing on my credit report. The credit report shows that Mohela last reported to credit reporting agencies on XX/XX/23. No updates have been show on the credit report as far as the XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: DE

Complaint narrative:
Real estate taxes are past due, company is not responding and not paying taxes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
please reverse all late payments with all my credit cards to be on time and paid as agreed. 
I was very sick with a XXXX XXXX XXXX. 

please forgive me for being late and in the future i promise to be on time

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-01-22 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: IL

Complaint narrative:
I believe Mohela has mishandled my student loans and my IDR request. I submitted a request for loan consolidation on XX/XX/2023 which included a request for the PAYE plan. The consolidation has gone through, however the IDR request is still pending. I called Mohela in XXXX regarding my pending request and I was placed on an administrative forbearance to allow this to get processed. Since then, I have been placed on the level plan and I am still waiting for my IDR plan to get processed. My monthly payment is astronomical compared to my anticipated IDR payment plan. I have since called and message Mohela in XXXX to still have no updates. Now I have a payment of {$1900.00} a month and it is showing I am past due over {$5800.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 2024-01-22 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: PA

Complaint narrative:
Please see attached documentation to meet demands in a timely fashion. PLEASE DO NOT SEND ME A LETTER VIA MAIL SAYING YOU DO NOT RECOGNIZE OR DO NOT THINK THAT IT IS INDEED MYSELF, XXXX XXXX XXXX AND YOU CANCEL THE COMPLAINT!!!!! I HAVE SUBMITTED MY ID AND MY SOCIAL SECURITY CARD AS VERIFICATION THAT I, XXXX XXXX XXXX, AM SUBMITTING THIS ALONE WITHOUT ANY THIRD PARTIES OR INFLUENCE!!!

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 2024-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
I called the company Jefferson Capital and told them to stop sending me fraud bills. I never lived in Florida and it's sent to my sick uncle and he doesnt need more problems. They at Jefferson Capital didn't know what I meant I just received another one this week from my uncle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I was at an ATM in California, because of the confusion when speaking to a Wells Fargo representative, they now refuse to investigate into the denominations received or if received at all. This is causing me to take a loss of over 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 monetary relief
Consumer complaint received 2024-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was reviewing my credit profile and noticed hard inquiries that are not mine

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 2024-01-22 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: NC

Complaint narrative:
This has been an ongoing issue for me with XXXX XXXX. I opened this account for credit a building opportunity. During the pandemic, I begin to experience hardships that I knew would potentially affect my credit and account. I called creditor to make an accommodation under the CARES ACT, and I requested for the account to be closed to prevent any damage to my credit profile. I paid the account as agreed. On my credit profile it is now showing late payments.

I've contacted the credit reporting agencies numerous times for inaccurately reporting late payments on this account. 
Per 15 USC 1666B a creditor may NOT treat a payment on a credit card account under an open end consumer plan late for any purpose. 

I have paid as a agreed and no late payments should be reflecting on this 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 non-monetary relief
Consumer complaint received 2024-01-23 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: PA

Complaint narrative:
On XX/XX/year> I contacted XXXX, Equifax, and XXXX via telephone raising the awareness that I did not received written consent by me acknowledging that they had any authorized; written consent to release any of my information to any third party agency. I called them direct to seek this consent in writing and they have no known acknowledgement of this request of sort.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: PA

Complaint narrative:
On XX/XX/24 I contacted XXXX, XXXX, and Experian via telephone raising the awareness that I did not received written consent by me acknowledging that they had any authorized; written consent to release any of my information to any third party agency. I called them direct to seek this consent in writing and they have no known acknowledgement of this request of sort.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
A late payment is showing in my credit reports from XXXX, 1 late payment. I was XXXX  with XXXX and was XXXX from work. I missed 3 weeks of work and was able to make that payment for that month. 
Its now XXXX and I have no other issues with the company or late payments on the account. The REFUSE to assist me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Greetings, I am writing to lodge a formal complaint against Right Path Servicing regarding their handling of my mortgage escrow account. This issue concerns a significant change in my homeowner 's insurance and the subsequent lack of response and action from Right Path Servicing to adjust my escrow account accordingly. 

Initial Change Notification ( XX/XX/2023 ) : I informed Right Path Servicing of a change in my homeowner 's insurance provider, switching from XXXX XXXX XXXX XXXX XXXX. The new annual premium was substantially lower, {$1200.00} compared to the previous {$3400.00}. This change should have led to an adjustment in my monthly mortgage payment due to the reduced escrow requirement. 

Lack of Response and Action : Despite sending multiple emails ( the first on XX/XX/2023, followed by two subsequent follow-ups ), I received no acknowledgment or response from Right Path Servicing . My emails detailed the policy change and requested an updated escrow analysis. Additionally, attempts to contact the company via the provided telephone number were unsuccessful, with the phone system appearing to be designed to avoid direct customer interaction. 

Financial Implications : The failure of Right Path Servicing to respond and adjust my escrow account in light of the reduced insurance premium has placed me in a difficult financial position. As a customer, I am unable to afford the new payment amount and the delay in adjustment is causing financial strain.

Actions Taken : To resolve this issue, I have sent three detailed emails to Right Path Servicing, each outlining the situation and requesting an urgent escrow analysis update. I have also attempted to contact them through their customer service phone line, with no success in reaching a live representative. 

This situation reflects a lack of customer service and a disregard for the financial implications on a customer due to the company 's inaction. I seek the assistance of the CFPB in resolving this matter and ensuring that Right Path Servicing conducts the necessary escrow account adjustment in a timely manner, as per the change in the homeowner 's insurance policy. 

Thank you for your attention to this matter. 

Sincerely, Concerned Customer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CO

Complaint narrative:
I have asked for validation and verification of the debt with zero response proving the debt or any response at all and both letters sent certified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Account number on statement postmarked XX/XX/2023 reflects account ending XXXX while both I and XXXX have on file account ending XXXX. As I attempt to settle this account I have received numerous notifications that there is still activity on this account. XXXX does not work to verify account in automated phone system while XXXX does. Bank of America will not grant me access to online portal. Very fishy.

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 2024-01-22 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: 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account : # XXXX Account : # XXXX, Account : # XXXX, Account : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-22 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: CA

Complaint narrative:
I sent a request to block information on my credit report to XXXX  because it was fraudulent. They sent me an email that they thought i didnt send the request myself and that they are not going to do it. They have to remove these fraudulent accounts from my credit report by law according to t he FCRA.

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 2024-01-22 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: CA

Complaint narrative:
I sent a request to block information on my credit report to XXXX  because it was fraudulent. They sent me an email that they thought i didnt send the request myself and that they are not going to do it. They have to remove these fraudulent accounts from my credit report by law according to t he FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: NY

Complaint narrative:
XXXX XXXX IDENTIFIED THE INQUIRIES ON MY CREDIT REPORT TO BE FRAUDULENT. CREDIT REPORTING BUREAUS WERE NOT REMOVED FROM MY REPORT. SEE LETTER ATTACHED. UNAUTHORIZED INQUIRIES TO BE REMOVED as soon as possible.

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 2024-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: CA

Complaint narrative:
The company DNF Associates filed a report to XXXX in XX/XX/2023 that I owed money in the amount of {$14000.00} I asked them for a proof but they did not send me anything. This is hurting my credit and I want DNF to remove it from the credit Bureaus or send a proof. 

Thanks

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