vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
- I was placed into an in-school deferment without my request or knowledge in XX/XX/XXXX. 
- I was advised to move into a repayment plan by MOHELA in XX/XX/XXXX- I applied to XXXX on XX/XX/XXXX and was placed into the XXXX plan ( see attachment XXXX request with date confirmation ) - XX/XX/XXXX, placed into the XXXX XXXX loan repayment plan - XX/XX/XXXX Student aid moved Me into an Administrative forbearance - In XX/XX/XXXX, I called MOHELA and was told the administrative Forbarence by the Department of Education - In XX/XX/XXXX, I was told the XXXX XXXX  was under an indefinite hold - XX/XX/XXXX In the same phone call, I requested to be moved into an XXXX XXXX  that would allow me to enter repayment status. 
- In XXXX and XX/XX/XXXX, I had contact with Mohela, where I confirmed I could be moved into XXXX and asked what the next steps were. I was told it may take time to process, but I could be transferred to an XXXX plan. I was under the impression the information held in my XXXX application would be used to move me into an XXXX plan. ( I thought the plan was XXXX, but further research shows XXXX was not accepting applications in the summer of XXXX ) - In XX/XX/XXXX, I completed my employment verification ( attachemnt shows all emplyment verrified XXXX XXXX XX/XX/XXXX ) - Employment verrification approved by fed aid confirmed 120 months of qualifying employment and XXXX payments ( see attachement with date confirmation ) - XXXX XXXX I submit a reconsideration/ buyback request for the months of XXXX and XXXX the in-school deferment, and XXXX / XXXX the administrative forbearance ( see attachment with date confirmation ) - the request states I should receive a buyback offer within 90 days. I have not received this offer, and it has been over 90 days - XX/XX/XXXX- I submitted a complaint to the Department of Education Ombudsman ( see attachment with date confirmation ) - In XXXX, I submitted a second complaint to the Ombudsman and a second reconsider/ buy-back request after a conversation with an employee at Fed Aid ( see attachment with date confirmation ) - In XX/XX/XXXX, I submitted a request to re-enter repayment after the announcement of XXXX plans reopening XXXX see XXXX attachment )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My privacy is backed by laws set up by Congress to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XX/XX/year> : I reached out to my mortgage servicer NewRez to start the borrower initiated PMI removal process. 
XX/XX/year> : Servicer representative formally requested removal of PMI with servicer. 
XX/XX/XXXX- XX/XX/year> : I paid the {$190.00} fee via check for the broker price opinion ( XXXX  ) required for borrower initiated termination. 
XX/XX/year> : Received XXXX  letter from NewRez stating they are the owner of my loan. 
XX/XX/year> : XXXX performed XXXX inspection of my home. 
XX/XX/year> : XXXX  report created and submitted to mortgage servicer stating estimated value of {$490000.00}. 
XX/XX/year> : Mortgage servicer sent me a letter stating removal of PMI is not possible because XXXX ratio is not below 70 %. My mortgage closing documents state 80 % XXXX ratio is required for borrower initiated PMI termination. At this time, my XXXX was 76.1 %. 
XX/XX/year> : I called mortgage customer support to request a review of the PMI termination request and received a case number. Using their online document upload portal, I provided a scanned copy of my right to cancel PMI document from my mortgage closing packet along with the XX/XX/XXXX XXXX report showing estimated value of {$490000.00} referencing the case number. I didn't hear back from the mortgage company. 
XX/XX/year> : Received boilerplate letter from NewRez stating they are the owner of my loan. No context given regarding this inquiry. 
XX/XX/year> : Received boilerplate letter from NewRez stating they require additional time to respond to my inquiry. No context is provided. 
XX/XX/year> : I called mortgage customer support to follow up on the case number. They advised me that I would need to restart the PMI termination request process. I pushed back stating this was already performed in XXXX, but they didn't give any other option. 
XX/XX/year> : A representative from Fannie Mae contacted me to schedule an interior valuation report with an inspector ( XXXX  report ). I asked for a few days so I could speak with the mortgage servicer before scheduling any inspection since I already went through this process in XX/XX/year>. 
XX/XX/year> : I called mortgage customer support to follow up on the XX/XX/XXXX and XX/XX/XXXX requests. They were unable to remove PMI based on the existing XXXX report due to the incorrect 70 % XXXX requirement. I requested a review of my 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 2025-01-06 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: Kriya Capital, LLC
State: TX

Complaint narrative:
My information was compromised through a few Data breachs. I have accounts that are not mine or I did not open on my credit report. 15 USC 1681-The FCRA is a law that governs access to consumer credit reports and aims to promote the accuracy, fairness, and privacy of personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: SC

Complaint narrative:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I called in to close my checking account. The representative told me that there was a pending transaction, a payment to a credit card at another bank. She told me that she would oversee closing my account the following day and would contact me to follow up. 

She did not close the account nor did she follow up. I have since been charged fees which made the account overdrawn. I transferred funds from another account to cover the fees while this is sorted out but it is still showing a negative balance. At no point did the representative follow up with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-06 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:
These inquiries appear to have been made without my authorization and may be fraudulent. Please address this matter immediately, referring to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/XXXX, I disputed two charges from XXXX XXXX in the amount of {$200.00} & {$190.00} ( charged on XX/XX/XXXX ). I attempted to resolve with XXXX and they never credited me before I then escalated to Bank of America. 

Two different times Bank of America asked for documentation which I submitted both times ( proof of writing that I canceled according the XXXX  guidelines ). The first time BOA just closed the disputes and took back the credit. I then called and reopened to which the agent said it was an accident. 

The {$190.00} charge was finally credited. The {$200.00} was not. On XX/XX/XXXX I received a fee for {$150.00} when I got a letter stated they were crediting me for that amount/ then giving me the additional amount to equal {$200.00}. That didnt make any sense AND I was actually charged! On XX/XX/XXXX I called BOA and spoke to a supervisor. She told me that was a mistake and would put in a request to reverse that, which would take 48 hours. Its been 2 weeks and its still not reversed! I also somehow overpaid a bill and BOA owes me {$610.00}! I told multiple BOA reps that Im waiting for the dispute and full credits to be applied to close my account out and get refunded at once. This has been horrible service and BOA is not correcting their issues! I literally have been on hold the hold time while setting up my account and filling out this form for the consumer finance! So much time wasted dealing with this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I used the Chase app to send a {$1000.00} transfer to my own XXXX XXXX account using XXXX. When I was confirming the amount and pressing send I noticed the receiver information had sent to that of a contact I had in my phone book but did not know personally or had ever sent money to before. I immediately called the bank and they told me they would open a dispute and would reach out with their findings. After a couple of days I called back and they told me nothing could be done. The person who the money was erroneously sent to stated they didnt receive it since their account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: CO

Complaint narrative:
I am requesting to unfreeze my credit report for my car loan application, which requires access to my credit information for background verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: TN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: TN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: SC

Complaint narrative:
I reached out to the Bureaus with a letter about the mistakes and unknown items on my credit report, but unfortunately, I haven't received a response in more than 30 days. It feels like my concerns are being ignored, and I'm starting to feel exploited. According to Section 611 ( a ), if these matters aren't addressed within 30 days, they should be promptly removed from my credit report. This situation has caused me a lot of stress, and I may have to consider legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted 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 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My application was denied based on information from my credit file, specifically referencing accounts where I am listed as an authorized user. Application # XXXX. As you may know, authorized user accounts are not reflective of my personal financial responsibility since I am not the primary account holder and am not liable for those accounts.

I have attempted to address this matter by requesting to speak with an underwriter for clarification and a potential manual review of my application. Unfortunately, my request to escalate the matter was denied. I believe this decision does not accurately reflect my creditworthiness and is based on factors that should not be considered in evaluating my application. I also emailed corporate and was flat out ignored.

I kindly request that someone from the executive offices contact me directly to discuss this matter further. Additionally, I am requesting a manual review of my application by an underwriter to ensure a fair assessment of my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upstart Holdings, Inc.
State: WI

Complaint narrative:
got a loan from upstart for XXXX paid XXXX and lost one of my incomes. I fell behind and asked for a settlement amount to prevent me from adding to consolidation they said they only offer settlements if payment is more than 60 days behind. Every XXXX day they send me an email stating that my " hardship '' application was approved and start the days over. I never applied for a hardship loan this will be the 2nd time they did this. I am sure they would need my signature for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
Dispute Letter for Unauthorized Inquiries XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Dispute of Unauthorized Credit Inquiries Dear CFPB, I am disputing unauthorized inquiries on my credit report. Below are the details of the disputed inquiries : Company Name : XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : TransUnion Company Name : XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : XXXX Company Name : XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : TransUnion Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : XXXX XXXX Name : XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : TransUnion Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : XXXX I did not authorize these inquiries. I request that the CFPB investigate and direct the companies to provide proof of my authorization. If no such proof can be provided, I request the removal of these inquiries from my credit report. 

Thank you for your attention.

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