vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CrossCountry Mortgage LLC
State: AZ

Complaint narrative:
They cancelled our first mortgage assistance request saying we didn't submit documents back in a timely manner. Everything that was requested when I received was submitted ASAP so that we didn't delay the process. I finally resubmitted our package and gave them all the docs they initially requested for but now they are saying it could take up to 30 days. We don't have 30 days before our mortgage goes delinquent. We just need some help and time to get back on our feet. I am starting a new job and my husband picked up a part time job to keep us afloat but if we can please get some help so we don't go into default, that would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: Nelnet, Inc.
State: IL

Complaint narrative:
This provider switched in XXXX and automatically wouldnt allow monthly payments to go through without interest. As I continued to pay them they didnt deduct the full amount I was paying off my total debt. This happened repeatedly every month my total would not reflect the amount paid. On XX/XX/XXXX my loan transferred from GreatLakes to Nelnet as the new servicer. Upon transfer they wouldnt set up my account on time to make my XXXX payment on time. When they finally got the information transferred they had the initial total correct as {$20000.00}. After XXXX and XXXX payments I should have a total of {$19000.00} remaining balance upon transfer at Nelnet less {$350.00} XXXX payment for a new total of {$19000.00}. My total however is {$19000.00}. I think this is going to continue to happen as its hard to get things fixed there. 

XXXX after XXXX $ XXXX payment. 
XXXX XX/XX/XXXX payment I should now have a remaining balance of {$18000.00} ( XXXX your total ) XXXX XX/XX/XXXX payment should have remainder {$18000.00}.. 
( XXXX your total ) XXXX XX/XX/XXXX. {$18000.00}. 
XXXX XXXX XX/XX/XXXX XXXX actual XXXX. Stated XXXX XX/XX/XXXX. XXXX. Actual XXXX. Stated XXXX. XX/XX/XXXX. XXXX. Actual XXXX. Stated XXXX. XX/XX/XXXX. XXXX Actual XXXX. Stated XXXX. XX/XX/XXXX. XXXX Actual XXXX XXXX XX/XX/XXXX XXXX stated XXXX should be there is a debit of {$60.00} that should not be there. 

Paid {$200.00} XX/XX/XXXX on {$16000.00} Now changed my interest fixed rate to 6.8 % {$16000.00} should be left. 

XXXX. XXXX balance.according to XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. = XXXX Should be {$150000.00} So I am {$710.00} short on my balance total from this provider. They are involved in racketeering crimes with the Biden Administration as many of my clients have been arrested in this case and convicted of criminal trespassing on a property they have not owned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
I have been trying to get Shellpontie - NewRez to correct the principal balance for several weeks. The servicing was transferred in XX/XX/2024 and the principal balance was updated on XX/XX/XXXX to reflect a {$300000.00} principal payment. 

As of today/s date, the principal balance still reflects {$30000.00} too much. 

I did file a dispute with the credit agencies, but because I have had so much trouble with this servicer, I feel there will be no resolution. 

This has been a nightmare from day one for us, I just want the credit balance correct. This affects our debt-to-income ratio. 

Please assist with this issue and have it resolved in a timely fashion. 

I have all kinds of supporting documentation if needed. 

Warm regards, XXXX XXXX

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 2023-11-13 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am writing to dispute a hard inquiry that appears on my credit report, which is unauthorized and inaccurate. Upon reviewing my credit report, I noticed this unauthorized inquiry : NAVY FCU XX/XX/2023

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: Atlanticus Services Corporation
State: NH

Complaint narrative:
On XX/XX/XXXX| received a pre approved credit card offer from " aspire '' bank that said to scan the XXXX code provided to find out more information. I did as so. 
After reading through they outrageous annual and monthly fees I declined the off and did not submit an application. 
The next day " XXXX/ASPIRE '' showed up on my credit report as a hard inquiry. I am trying to rebuild my credit score and even a small hard inquiry is a big deal to me. Especially since it was a pre approved offer and an offer I declined to take. I feel like I was wrongfully taken advantage of by this company. 

On Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response CFPB # XXXX Dear XXXX XXXX XXXX We are in receipt of your correspondence to the Consumer Financial Protection bureau regarding an Aspire pre-approved Credit Card offer that you received at your address. 
Per your request, this will confirm that we have updated our records to stop mailing credit card offers to you at your above referenced address. Please allow up to 60 days for the block to take effect due to existing mailing campaigns in progress. 
Additionally, a request has been submitted to the credit bureaus to remove the inquiry as we understand it wasn't your intention to submit a credit card application. Thank you for the opportunity to respond. Sincerely, XXXX XXXX., Executive Correspondence Specialist On behalf of Aspire Credit Card XXXX XXXX XXXX XXXX is the issuer of the Aspire Credit Card account As of XX/XX/XXXX they have done none of the above!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: NV

Complaint narrative:
I'm a victim of identity theft, requesting the removal of fraudulent inquirie from reporting to my credit. I'm suffering from punitive damages.

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 2023-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Student loan started in XXXX  with Sallie Mae then they transferred over to Navient. Then a few years ago transferred to XXXX. I recently found out about a lawsuit with Navient. Id like to find out more about it. I know they went bankrupt and I was still sending monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX, I went to XXXX XXXX to purchase a XXXX XXXX XXXX. I sent them my Dealer Funding Request from USAA and waited for hours. I looked up the car and found out it was a salvaged title. I told the dealership I do not want the car. I called USAA to tell them to cancel the loan all together but was advised I can use the dealer funding request or a different car. I still told USAA not to find the loan until they speak to me. On XX/XX/XXXX, I went to purchase a different vehicle. When I went onto USAAs site I saw the loan was funded on XX/XX/XXXX for the XXXX XXXX XXXX. I called USAA to ask what happened and I was told the dealership filled out the funding request. I called the dealership to ask what happened on their end and I was told they dont know what happened and they have already sold the vehicle to someone else. I had to get a second loan for the vehicle I had to purchase. I have called USAA every week since XXXX. I have gotten my military attorney involved. I have had neither clear communication nor a resolution in over 3 months. Not only is my credit score being impacted, but also my security clearance I hold for my job in the military.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: DOLLAR MUTUAL BANCORP
State: PA

Complaint narrative:
Dollar Bank has no online support for mortgage servicing and this has led to it being very difficult for me to manage my loan payment and mortgage balance. I'm unable to check on my loan balance or when my payment is due online and the only way for me to do this is to either call in or wait for a monthly statement to be mailed. This makes it very challenging to keep up with my payments and has resulted in missing XXXX or XXXX of my payments. The process to set up reoccurring payments is also very tedious requiring customers to send signed forms back and forth via mail rather than simply updating via an online account. Dollar bank clearly doesn't value customer service or experience because for mortgage customers because they have online banking for other customers using credit cards and regular bank accounts. I just tried calling to get my mortgage balance ( b/c I'm unable to do so any other way ) and the hold time for calls is exceeding XXXX minutes. It's almost as if dollar bank intentionally makes it difficult to mange your mortgage and make timely payments to accrue revenue via later charges and additional interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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:
I did not give permission for these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2023-11-13 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DRB-40, LLC
State: MO

Complaint narrative:
So, I have had my cell number for around 10 years. I keep repeatedly getting calls from a XXXX XXXXXXXX number. I have a XXXX XXXX, Mo number. Since they dont leave their name or who theyre calling from I have to look the number up that they say to contact them back on. Actually, the only thing they say on the VM is " Contact me or my associates at XXXX ''. Sometimes you may hear its start with XXXX but they ALWAYS leave out who theyre calling from or what their company name is, which I was under the impression is a illegal tactic under the FDCPA. 

Well, i called them once again and theyre name is Diversified Recovery Bureau LLC and theyre looking for a woman under the name of XXXX XXXX . Which I am not, no only is that not me but im a man, and no one in my family has that name. Ive told them this in the past. When calling, they dont even like to clearly tell you what their name is, they try to brush by it quickly and not clearly. Very unprofessional if you start questioning them. 

So, today is XX/XX/2023, I recieved another Vm doing the same thing, and i called them back to let them know that this is not me and they need to stop contacting me. Its frequent too. I have XXXX in my Vm log now, plus XXXX in my deleted folder, doing all the same tactic calling from XXXX number being ( XXXX ) XXXX. I have these Vm saved and can provide proof of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: AL

Complaint narrative:
I have XXXX hard inquiries on my equifax credit report Ive sent letters in by mail Ive also called numerous of times Ive filed a complaint with the ftc The following inquiries are unauthorized, and I ask that you delete them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear sir, I would like to file the complaint and dispute my credit report, which issued by your company, Experian, and sent to my email address, XXXX, on XX/XX/XXXX of 2023. My report number is XXXX. There are three parts which need to be disputed. 

1. Personal Information : Name ( s ) Associated with My Credit. 
XXXX XXXX XXXX ( XXXX ) There are two names listed. I want to dispute one of them, XXXX XXXX XXXX. My legal name in XXXX and the United States is XXXX XXXX. I do not have any middle name in legal status. My husband family name is XXXX. Since I have decided to keep my XXXX family name as a legal family name, I do not use it for any legal issues ; even though I might have used it for some shopping reward cards. If possible, somebody might have tried to add my mothers maiden name XXXX as my maiden/middle name ; however, I do not use it since it does not relate with me at all legally. 

XXXX. Address ( es ) associated with my card. 
XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX Multifamily XXXX XXXX have never lived XXXX XXXX XXXX XXXX Since I have lived XXXX XXXX XXXX XXXX XXXX XXXX, I know this questioned address should be situated in the same apartment complex, XXXX XXXX in XXXX XXXX. However, this apartment complex has XXXX apartments for each number ; therefore, only XXXX without A, B, C, and D is suspicious. And I am not sure why our apartment compartment is called multifamily, even though each apartment can have XXXX, XXXX, or XXXX depending on the numbers of bedroom ( s ).

3. Other personal information associated with my card. 
XXXX My spouse has legal name XXXX XXXX. Since our family names are different, it might be better to mention his family name.

4. My Personal Statement on the report.

ID SECURITY ALERT/ACTIVE DUTY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. I AM CURRENTLY ON ACTIVE MILITARY DUTY, DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT. THIS ALERT WILL BE MAINTAINED ON FILE FOR 1 YEAR BEGINNING XXXX. 
As I am not on active military duty, I can not understand the content of this personal statement. I have received the notification of FTC Identity Theft report ( XXXX ). Also, I can not understand what without my consent to fraudulently obtain goods or services. At all, since I do not know clearly what were obtained through the fraudulent and illegal activities regarding my identity. 


Sincerely,

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 2023-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
In accordance with the Fair Credit ReportingAct this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 A section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-11-13 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: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I requested to know the current interest rate & get a break down of principal & interest on previous payments. I believe this company is in violation of Florida Usury Laws

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: CT

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 Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX 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 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