vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 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: CO

Complaint narrative:
The loan servicers ( mohelas ) website no longer allows me to make payments, however, interest still accrues everyday. When I click on the Make a Payment link I get a message stating Due to the status of your account, please Contact Us for any account inquiries or document requests. 

I can not get past the aforementioned message to make payments. If I am unable to make payments due to Mohelas website dysfunction, I should absolutely not be charged interest for the duration of their service failure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In light of the XXXX data breach, I froze my credit at XXXX and XXXX. However, I have not been able to freeze my credit at Equifax. Whenever I try to freeze my credit on the Equifax website, it presents me with an error that reads : " Please give us a call. We can't complete your request at this time. Please call the Customer Care team. '' When you call the Equifax service number provided, the robot tells you to freeze your credit on the website ( which, as stated above, does not work ). 

I have tried multiple times to speak to a human agent and can not reach one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: TN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Third time requesting. 

My XXXX is well outside 80 % since house prices have gone up and improvements made.

I have no 30 day lates in the past 12 months and no 60 day lates in the last 24 months. 

I need an Approved List of Companies to complete an official appraisal.

Unofficial appraisals right now have the house value at {$500000.00} to over {$600000.00}.

This defeats PMI, I am within the HPA requirements.

I need the instructions to remove PMI, a list of companies to use to purchase an official appraisal. NewRez/Shellpoint has not supplied this information.

I have not been 30 days late in the past 12 months. I was not considered " late '' when refinancing via the Federal Govt. 2 years ago. 

Please supply this information - 3rd time requesting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX CARD XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: NJ

Complaint narrative:
I went to freeze credit on Trans Union. They added a spurious middle initial to my name. The did not include my major employment ( XXXX XXXX  ) They did not allow me to add this to a statement on my account. 
I will be sending them a letter. In order to change a name, I would have to include a copy of my driver 's license, social security card, or some other proof of identity. I prefer not to send them anything since I do not trust their ability to correctly use my information.

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 2024-08-30 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: FL

Complaint narrative:
I was taken aback when I checked my credit report this morning and found inaccurate accounts listed, with no explanation. I check my credit report regularly, so I was completely caught off guard by these discrepancies that appeared out of nowhere. I even refreshed my browser, thinking it might be a glitch, but the accounts remained. This situation is extremely concerning, and I am urgently asking for a thorough review of the documents I've submitted to resolve this issue once and for all.

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 2024-08-30 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original XXXX Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and 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 non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc.
State: TX

Complaint narrative:
I don't have dates, but I spoke to XXXX about my loan and they said it was transferee to SST. I have being paying on this loan but interest continue to come out. I asked about this and it said this is the way the loan is set up. I have two other loans like this predator loans. XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
For some reasons my loans were reported as having a late payment for the month of XXXX and that is incorrect because I have never not been in school and this was a mistake. They fixed the late payment on XXXX or XXXX of the loans but didnt correct the rest of them. Ive also consolidated all of my loans into XXXX so why are the old loans still showing anyways?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: SN SERVICING CORPORATION
State: FL

Complaint narrative:
I requested a loan modification in XX/XX/XXXX, but they didnt respond to my request until XX/XX/XXXX, indicating that the documents had been lost and that I needed to resubmit them. The documents were resubmitted in XX/XX/XXXX, and in XX/XX/XXXX, they sent a modification changing the terms from an interest rate of 4.62 % to 6.00 %, which increased the payment. Payments were being made until XX/XX/XXXX, when I encountered financial difficulties and requested a payment modification. In the account statement sent for the modification, they applied foreclosure costs and attorney fees, which I understand to be illegal and abusive actions against the client, as the account was only two months overdue when the modification was requested. There were no foreclosure proceedings initiated, yet they are charging illegal fees. The property is currently for sale, and I asked the lender to grant me time for the sale so I can settle the outstanding debt. According to federal laws ( RESPA ), the lender is in violation of the clauses that protect the borrower. The loan originated with Loan Depot and was sold to SNC, a collection company that does not act in good faith with the borrower and lacks knowledge of legal processes. My interest is in protecting my only secure home, as I am XXXX XXXX XXXX, and this is my safe place. SNC 's constant abusive practices have affected my mental health, and given my age, it would be unfair to face a foreclosure process on my property due to illegal and abusive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: TX

Complaint narrative:
I demand that the following items be excluded from my consumer report on the basis that is the past the statue of limitation, per Texas Law. 

XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: SC

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records 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 non-monetary relief
Consumer complaint received 2024-08-30 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: SC

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records 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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
hi, I have been trying to access my TransUnion account to check my credit report and freeze my credit since a week ago. The automatic password reset ended in an error multiple times and asked me to contact customer support. Customer support did not pick up and did not return phone call. I tried the chat function which also ended by closing my chat window multiple times. 

With data breach, I need the ability to freeze my credit and check my credit report. I can not be locked out of my account. Either let me take control of my personal data so I can stop sharing data with Trans Union. 

Why is the default allow people to check my credit anyways? The default should be credit freeze unless I unfreeze it. If you going to take action take action, take action, for real, to protect consumers.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and 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 non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I requested My account to be closed and my customer relationship ended with capital one and they said closure check would be sent to me and my account was officially closed on the XXXX XX/XX/2024 And my closure check was issued on the XXXX of XX/XX/2024 but was never received even after 15 days. I called again on XX/XX/2024 and I was told since I never received a check case would be created to stop payment on that check and a new one will be reissued I also changed my mailing address in file to my po box of my new state of residency. I made a call on the XXXX and I was told that case has been acted upon and a new check will be issued I should check back in a few days time which I did i called capital one again on the XXXX and I was even given a timeline of when my check would be received which would be on the XXXX of XX/XX/2024. I made a call today which was on the XXXX of XX/XX/2024, that my check hasnt arrived in my box and the customer representative told me the case wasnt acted upon and no check was reissued. She would be submitting a new case today after two weeks. I can clearly see the banking institution called Capital One doesnt want to send out my closure check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: AL

Complaint narrative:
For some reasons my loans were reported as having a late payment for the month of XXXX and that is incorrect because I have never not been in school and this was a mistake. They fixed the late payment on XXXX or XXXX of the loans but didnt correct the rest of them. Ive also consolidated all of my loans into XXXX so why are the old loans still showing anyways?

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
For some reasons my loans were reported as having a late payment for the month of XXXX and that is incorrect because I have never not been in school and this was a mistake. They fixed the late payment on XXXX or XXXX of the loans but didnt correct the rest of them. Ive also consolidated all of my loans into XXXX so why are the old loans still showing anyways?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: AL

Complaint narrative:
For some reasons my loans were reported as having a late payment for the month of XXXX and that is incorrect because I have never not been in school and this was a mistake. They fixed the late payment on XXXX or XXXX of the loans but didnt correct the rest of them. Ive also consolidated all of my loans into XXXX so why are the old loans still showing anyways?

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 2024-08-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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