vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CrossCountry Mortgage LLC
State: VA

Complaint narrative:
XX/XX/XXXX I attempted to complete the online application process for a HELOC on a property I owned prior to marriage. I am the only person on the deed and the only person on any loan related to this property. Cross Country customer service conferred with their management that my spouse must provide consent for me to obtain this loan. When requested, Cross Country was not able to provide any statute that requires spousal consent in Virginia -- -as Virginia is not a Homestead or Community Property state. And in fact, the spousal consent would not allow Cross Country rights to judgement on the property in the event of my death : 55.1-202. Spouse not responsible for other spouse 's contracts, etc. ; mutual liability for necessaries ; exception ; responsibility of personal representative. 
Except as otherwise provided in this section, a spouse shall not be responsible for the other spouse 's contract or tort liability to a third party, whether such liability arose before or after the marriage. The doctrine of necessaries as it existed at common law shall apply equally to both spouses, except where they are permanently living separate and apart, but shall in no event create any liability between such spouses as to each other. For the purposes of this section, liability shall not be imposed upon one spouse for health care furnished to the patient spouse who predeceases the nonpatient spouse. No lien arising out of a judgment under this section shall attach to the judgment debtors ' principal residence held by them as tenants by the entirety or that was held by them as tenants by the entirety prior to the death of either spouse where the tenancy terminated as a result of the death of either spouse. 

Code 1919, 5134 ; 1932, p. 22 ; Code 1950, 55-37 ; 1984, c. 504 ; 1985, c. 202 ; 2012, c. 45 ; 2019, c. 712 ; 2023, c. 798.

In my situation, there is no reason to obtain my spouse 's permission to borrow equity in my sole ownership property, and requiring my spouse 's permission violates Regulation B/ECOA/FHAct : Paragraph 6 ( b ) ( 8 ).

1. Prohibited basis - marital status. A creditor may consider the marital status of an applicant or joint applicant for the purpose of ascertaining the creditor 's rights and remedies applicable to the particular extension of credit. For example, in a secured transaction involving real property, a creditor could take into account whether state law gives the applicant 's spouse an interest in the property being offered as collateral.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: AL

Complaint narrative:
I am trying to receive updates on the status of my XXXX application. My XXXX  loan servicer is Edfinancial. I completed and submitted my XXXX application on XX/XX/2023. I emailed the customer service department at Edfinancial on XX/XX/2023 since I had not received any updates at that point. On XX/XX/2023, Edfinancial emailed me back stating that it takes 30 to 45 business days in order to be processed. It has been nearly 45 business days as I write this complaint, XX/XX/2023. I emailed Edfinancial 's customer service department again this morning ( XX/XX/2023 ) stating the issue that I am having. As I was writing my email to Edfinancial, I was also on hold with Edfinancial regarding the same issue. My estimated wait time was 89 minutes. I waited on hold for roughly 100 minutes before I decided that I could not wait any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sunbit, Inc.
State: NC

Complaint narrative:
I've been in and out of the hospital tending to a XXXX XXXX XXXX, so I've been using my money on copays and more important bills. My payment is a week late, which I intend to pay tomorrow, but ever since I became a day late they've constantly called and emailed me despite me telling them that I intend to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Hello, I have filed 3 previous complaints with the credit bureau regarding Carrington Mortgage. Carrington Mortgage bought my mortgage from XXXX XXXX XXXXXXXX somewhere around XXXX or XXXX. The home was foreclosed in XXXX. There was a surplus owed to me in the amount over {$21000.00}. But the money was not given to me. In other words the home was sold for more than it was worth. In XXXX, I submitted an application for an apartment and was asked if there was a second mortgage on the previous home. I said no. in fact, I lived in the home that was foreclosed on for 20 years and never took out a second mortgage. Lately, I have been receiving monthly emails from Carrington Mortgage. XXXX XXXX alerted me that Carrington Mortgage is on my credit record as active. The credit bureau has not dealt with this issue. The credit Bureau note to my credit reported that the matter was resolved. The credit Bureau has never reached out to me via email, us mail nor by telephone to inquire about the matter. I do not owe any money to Carrington Mortage and the report show show that there was a bankruptcy in XXXX. Thank you for your help. 

XXXX XXXX formally XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Goal Structured Solutions, LLC
State: FL

Complaint narrative:
I have been having difficulty in paying these private loans since XXXX XXXX XXXX XXXX XXXX withheld my XXXX XXXX because I was completely tapped out of both federal aid and private loan money. My federal loans are now in forbearance because of this scam for-profit school and now these scheming private loan lenders do not understand that I can not pay - because those loans were based on predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I applied for the XXXX repayment plan in the middle of XXXX, 2023. The XXXX XXXX calculator said based on my loans and tax return I qualify for $ XXXX $ XXXX payments for XXXX payments under this plan and was the best option for my finances. It also stated that all of my loans qualify for this repayment plan. My servicer ( Nelnet ) asked me for a copy of my tax return which I provided to them promptly. They then emailed me saying they finished processing my application about a month later ( XXXX ) and said to be on the look out for additional correspondence from them ( It is now XX/XX/2023 and I still have not received any form of communication from them ). My payment amount is still the same amount it was for the standard repayment plan ( over $ XXXX ). Additionally some loans still show standard repayment. I have tried emailing them multiple times to which an auto generated response comes back saying to call them. I call and sit on hold sometimes in excess of 2 hours just to get hung up on. I have not been able to reach anyone and their website says due to unprecedented amounts of calls, please email them for assistance. I am getting nothing but the run around and have had no choice but to submit another application for the XXXX plan to force someone to redo their calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-10-02 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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:
My account was scheduled to execute an automatic payment for the month of XX/XX/2023, but no automatic payment was executed and now my account is marked as " past due ''. There are similar complaints across the internet of Nelnet failing to execute payments, with a multitude of adverse effects on the student loan borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: NJ

Complaint narrative:
Acct # XXXX XXXX XXXX XXXX my credit limit was {$700.00} I was charge an additional XXXX after account was closed also same place Acct # XXXX my credit limit was {$400.00} I was charge another {$300.00} after account was closed I have rights 15 U.S.C 1681s 2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I need both of these removed

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 2023-10-02 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: TX

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-10-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Blackhawk Network Holdings Inc.
State: MT

Complaint narrative:
On XX/XX/XXXX I purchased a reloadit pack, issued by Blackhawk Network California , Inc.. I put {$400.00} on the card at the register. My receipt says AUTH : Approved, as well as an approval number. On the Reloadit Pack it states to go online and set up a Reloadit safe. I have attempted to open a safe for 72+ hours now, have spoken to 4 customer service representatives, and been assigned 3 different case numbers. I was told that I would be contacted by email after 24 hours, however, I have yet to receive any sort of correspondence. I put this money on the card, so as to pay bills that were/are due. Now they are overdue. Is Reloadit going to pay my late fees?! This is completely asinine, and what claimed to be a fast and easy process, has turned into a complete nightmare! I just want my {$400.00} back, and will NEVER EVER use a prepaid system again. I feel like this was a complete and total scam. They should be held accountable, and charged with fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I looked at my credit report and wasn't familiar with the inquires so I report it to the three credit beurres and haven't received an response. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and 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 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
On XX/XX/2023 I applied for and received a balance transfer from one of my credit cards to my Barclay AA Advantage Master Card. Barclay transferred the Balance and charged me a {$450.00} balance transfer fee. A few weeks later, on XX/XX/XXXX, I was charged their {$99.00} annual fee. I have been making regular payments on my card and then I noticed I was getting charged small finance charges every month. When I called Barclay customer support, I was told by a Customer Service Rep XXXX and her Manager, XXXX that these finance charges were being charged because of the balance transfer and annual fee. 

Section 1026.4 ( c ) ( 3 ) states Fees charged for participation in a credit plan are to be excluded from finance charges

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 2023-10-02 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: NJ

Complaint narrative:
TV is everything in accordance with The Fair Credit Report act XXXX account, XXXX  XXXX XXXX XXXX . XXXX XXXX, MN XXXX ( XXXX ), XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX, has violated my rights. 15 USC 1681 602 Section A States I have a right to privacy. 15 USC 1681 section 604a section 2 : and also states that a consumer reporting agency can not furnish an account with out my written instructions.

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 2023-10-02 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: NJ

Complaint narrative:
TV is everything in accordance with The Fair Credit Report act Convergent account, XXXX XXXX XXXX XXXX . XXXX XXXX, MN XXXX ( XXXX ), XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX, has violated my rights. 15 USC 1681 602 Section A States I have a right to privacy. 15 USC 1681 section 604a section 2 : and also states that a consumer reporting agency can not furnish an account with out my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-02 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: IL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-10-02 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: IL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My credit report at Experian is frozen currently. I am unable to control my freeze status either through my online Experian account or the phone number ( XXXX XXXX ) that was given to me when I paid for the ability to control my freeze status ( XX/XX/XXXX ). 

When I successfully access my online account, I am sent to a page to acquire a annual credit report. This process fails and I am given the number XXXX. Each time ( at least four time ) that I called this number, I am unable to get to a person to provide me access to control my freeze status. 

When I call the number XXXX XXXX, I was asked whether I want to freeze my account and given two options : 1 ) Go to my online account or 2 ) send a letter. I sent a letter on XX/XX/XXXX with all the required information ( drivers license and a utility bill ) asking to reactivate access to my control of my credit report freeze by both my online account and by phone.

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