vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Beginning XX/XX/XXXX first payment I was confused on payment, I paid the first payment however there was a delay on Freedom Mortgage redraw of the payment which unfortunately led to multiple NSF ( non sufficient fund fees ). The problem started with that issue, being behind I called Freedom Mortgage spoke to a representative that informed me that I could do forbearance plan that I could pay for 3 months. Being a first-time home buyer I was unaware of the stipulations of a forbearance plan, I did not know that it would further put me in delinquent amount. The representative did not explain any information that pertaining the forbearance stating that I would receive information via mail in which again I did not receive, for months I have spoken to numerous representatives over the months that have completely gave me wrong information each time and has continued to make my delinquent problem a larger problem. On XXXX of XXXX I applied for a loan modification that was denied due to debt : income ratio, if this was the case how would I have gotten a home loan? my debt-to-income ratio has not changed. But yet again instead of notifying me that my application was denied, Freedom Mortgage automatically enrolled me into a forbearance program. I have been in forbearance programs since the XX/XX/XXXX incident. I see no way to get myself out of the dilemma and Freedom Mortgage is untrustworthy and I do not feel comfortable to speaking to a loss mitigation representative nor a supervisor of that department, they are liars and unsupportive of my situation, please pull call logs from them, also I would like to add that since this situation my credit has dropped drastically, I can not even get a loan to pay off amount that I owe, I will provide whatever information you need. I do not want to lose my home. I am a Veteran, and I am struggling. please

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 2024-03-27 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: NV

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2024-03-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: RI

Complaint narrative:
In XXXX I moved to XXXX XXXX and I submitted a state title transfer on my lease. On XX/XX/XXXX I made a payment of {$11000.00} to pay off my account in full. On XX/XX/XXXX I called Kia Finance America to confirm payment and next steps. They said that once they payment is fully processed I will be able to complete the Bill of Sale and Odometer statement. I received these filled them out and submitted them online. On XXXX I called again for an update and they said they never received other after I submitted it so I submitted again. On XXXX I called again and they still told me that they never received it. I got forwarded to customer service where they told me that it was received but they don't actually have the title because it was sent for the transfer to the XXXX XXXX and they were waiting for it back. 

I called back again on XX/XX/XXXX because I still hadn't heard back and I was told that they received the title on XX/XX/XXXX and were going to process it. After still not getting anything I called back XXXX, where they told me that they never received it and that they are submitting a recall request from the XXXX nd that no where it says that they received the title. I heard this same thing when I called on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I called again and was told again that they did received that title on XX/XX/XXXX and I requested the XXXX tracking number to confirm this - XXXX. I was once again told for the XXXX time that they will escalate this to get me my title. But still no effort is being made to send me the title, or give me any sort of clear information or time frame. XXXX week I'm told they have it, another they tell me they don't and say they don't know when I wwill get it. It has been nearly XXXX months since I payed off my account, but I still don't have any proof of ownership.

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 2024-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I tried to get a lawful modification on my property at XXXX XXXX XXXX XXXX NJ. At first Bank of America advised there was no such thing. But they sent me paperwork and I filled it out. They never responded. This is a violation of federal law. They had five times to respond. They violated my Constitutional rights under the XXXX and the XXXX amendments. Also under the RECO Act. I am a XXXX XXXX XXXX XXXX. Hope XXXX gets involved

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 2024-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CA

Complaint narrative:
In or around XX/XX/year> I called Nelnet to see what the status of my request to change to an extended repayment plan. 

The XXXX took a while to find my request, but confirmed that I had a request from XX/XX/XXXX. In order to expedite my request, the XXXX put another request on XX/XX/year>. However, as of XX/XX/year>, but payment plan was not updated. Per their XXXX, it should take 30 days for update. I have not received an explanation on why it has taken so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX || Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: TX

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

These accounts [ XXXXXXXX XXXX  XXXX ], [ XXXX XXXX XXXX ]. [ XXXXXXXX XXXX  XXXX ]. [ XXXX XXXX XXXXXXXX ], [ XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX ], [ XXXX XXXX  XXXX ] are not complete and accurate. 


And one more thing according to 15 USC 1681s-2 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. 

Check the attachments below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: PA

Complaint narrative:
I have spent hours on the phone over multiple days attempting to get assistance from XXXX and EdFinancial regarding our Parent Plus Loans. I received very bad advice from EdFinancial regarding a loan consolidation for XXXX of our student 's group of loans. Following consolidation, the loans went from a monthly payment of {$750.00} a month to a new payment of over {$1600.00} per month. This payment is not affordable for our student. We want to make our payment and make it on time, however, due to bad advice on consolidation the payment has more than doubled and we can not afford it. 

I spoke with XXXX, a supervisor, at XXXX on XX/XX/XXXX and re-explained our situation to him. I was told to call EdFinancial again, that they were " obligated '' to change my payment. I spoke with XXXX, at EdFinancial, on XX/XX/XXXX, and she refused to offer assitance and acknowledge that we were given bad advice. I asked to speak with a supervisor, and XXXX would not transfer me. She placed me on a list with no date or time that I can expect return phone call from EdFinancial. 

I have bounced back and forth between these XXXX entities since XXXX, with each pointing to the other for responsibility to modify this payment. This has been an incredibly terrible customer experience for a borrower looking to repay our student loans in a timely manner. I am very concerned for the impact this will have on our credit scores moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
My personal XXXX with XXXX XXXX was transferred over to SoFi bank on XX/XX/24. I was able to establish online access to the XXXX in the SOFi portal and have an option to pay down the principal but I do not have the option to withdraw funds. I have tried to contact SoFi Bank multiple times in the past 10 days to resolve this issue. Their current hold time for the XXXX department is over XXXX hours. I have submitted multiple requests for a callback and the only time I was contacted, the line dropped and I was never called again. At this point, I have no access to my available funds and no way to have this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: MI

Complaint narrative:
In accordance to the fair credit report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 states a consumer reporting agency can not furnish a account without my written instructions u.s.c 168 ( c ) a 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of information another adverse item of information other than records of convictions of crimes which antedate the report by more than 7 years 15 u.s.c 1681s2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person or has responsible cause to by liens that the information is inaccurate ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,. XXXX XXXX  XXXX, Equifax Information Services XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: MI

Complaint narrative:
In accordance to the fair credit report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 states a consumer reporting agency can not furnish a account without my written instructions u.s.c 168 ( c ) a 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of information another adverse item of information other than records of convictions of crimes which antedate the report by more than 7 years 15 u.s.c 1681s2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person or has responsible cause to by liens that the information is inaccurate ; XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX,. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Experian Information Solutions inc 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 non-monetary relief
Consumer complaint received 2024-03-27 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: TX

Complaint narrative:
Pursuant to 15 U.S. Code 1666b, I have no late payments. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. No company has NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4. 

Please have XXXX XXXXXXXX XXXX remove and permanently delete all payments that are showing any late status from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: TX

Complaint narrative:
Pursuant to 15 U.S. Code 1666b, I have no late payments. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. No company has NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4. 

Please have XXXX XXXXXXXX XXXX remove and permanently delete all payments that are showing any late status from 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 2024-03-27 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:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: CA

Complaint narrative:
Hello I Recently look to my credit report and i am a victim of identity theft, i found on my credit report the fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent account ruined my credit score. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX Opened : XX/XX/2023 Account status : Open Fraudulent Charges : XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: AZ

Complaint narrative:
I Have Been A Victim OF Identity Theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to follow up on the dispute I recently submitted regarding the negative accounts listed on my credit report. Despite my efforts to address these discrepancies, I have not yet received a satisfactory resolution to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to follow up on the dispute I recently submitted regarding the negative accounts listed on my credit report. Despite my efforts to address these discrepancies, I have not yet received a satisfactory resolution to this matter.

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 2024-03-27 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: MS

Complaint narrative:
I requested that my personal information be updated with Experian, XXXX and XXXX. To this date there is still information on my report that is not accurate.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Inflection.com, Inc.
State: UT

Complaint narrative:
I believe I am a victim of a data breach, inflection employee errors, identity theft, fraud, credit mismatch and/or inaccurate/unverified and incomplete information. There have been more than 1 dispute sent to the credit furnisher asking for correction to my credit report. I have been ignored with no response more 1 time or more when I sent dispute via certified mail USPS tracking # XXXX Delivered XX/XX/XXXX, XXXX. I do not recognize this INACCURATE information. Please get these Items Deleted off my Credit Report ASAP! 


Here is the information to be removed XXXX XXXX XXXX XXXX : Record # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Record # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Record # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Record # XXXX Court Name XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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