vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
In XXXX, I received notifications from Nationstar indicating that I was roughly XXXX months delinquent on my HELOC payments. Despite numerous attempts to resolve the issue with the company, the matter remained unsettled. I requested documentation for the allegedly missed payments but never received it. 

In XXXX, I approached XXXX  to express my concerns about Nationstar. Subsequently, I received an email from an unknown sender at Nationstar containing only a link, which I did not open due to security concerns. By XXXX, Nationstar ceased accepting my monthly payments unless I cleared the purported arrears. 

Nationstar later issued a foreclosure warning on my property. In efforts to clarify the situation, I contacted them only to be told the information had been previously emailed to me. Upon request, the information was resent and revealed that no payments for XXXX  were recorded, a claim I disputed given my consistent payments. 

I revisited XXXX  to voice my grievances, where it was suggested I compile all payment proofs for submission to Nationstar. Reluctant to shoulder this burden due to Nationstar 's administrative errors, I was nonetheless assisted by a XXXX representative who confirmed XXXX of my payments and offered to forward this proof while I gathered the rest. 

After submitting all required documents through the provided portal, Nationstar updated its records to reflect the payments but failed to amend the accrued interest errors. Subsequently, they restricted further telephonic payments, mandating that I wire the outstanding amount from XX/XX/XXXX to regularize my account. In addition, I received a home valuation and formal notices regarding my past dues. 

Throughout this ordeal, XXXX  liaised with Nationstar in pursuit of a fair resolution. It appears that Nationstar would prefer foreclosure over rectifying its administrative flaws.

I settled the outstanding balance as per their records and plan to conduct a thorough audit later. I strongly advocate for an audit of Nationstar, believing that others might be facing similar issues without knowing their recourse. This level of incompetence should not go unchecked.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TN

Complaint narrative:
I have now called Mohela about this 4 times since XXXX and it still has not been fixed. Back when student loans were set to resume in XXXX - thinking I had a payment ( because Mohela said I did )- I forced my payment through as their auto debit did not take it. 

A month later I received an e-mail saying my account was in forbearance and there would not be a payment due until after XX/XX/XXXX. My account was still forbearance in XX/XX/XXXX but was to set to go into repayment in XXXX. I called Mohela in XXXX, to ask that the payment I made back in XXXX be put towards my XXXX payment instead of requesting a refund. I have called 4 times about this and been told that it's been escalated and will be handled. It said it would be handled by the deadline of XXXX - today, but it is not and I received an e-mail stating that my payment is delinquent. I need my previous payment applied because I am under PSLF and need my months to qualify. 

I also have a complaint about being in forbearance in XXXX, I was told this doesn't count towards my PSLF because it was in forbearance due to my loans being consolidated. I submitted my loan consolidation back in XXXX, it's not my fault Mohela did not get in through in a timely fashion to suit their needs. 

Oh and I called Mohela today and requested a call back, got the call back - to only hear music on the other end and then hung up on. Thanks, Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: IL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-05 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: SC

Complaint narrative:
There are unauthorized credit inquires on my credit report. I have attached the FTC complaint in regard to these inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX and I am preparing this message. It has come to my attention that there have been several accounts under the name fraudulently. My information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to 15 U.S. Code, 1681-C-2 ( a ) consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft. Also, 15, U.S. Code 1681 section 604 ( a ) section 2, states : that a consumer agency can not furnish an account without consumer written instructions. The listed accounts here never received any instructions directly from me, nor did they obtain my personal written consent. No consent is identity theft. I am demanding the removal of these listed accounts immediately. Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
I am reaching out to address a matter that weighs heavily on my mind and requires urgent attention. After dedicating XXXX  years of my life XXXX XXXXXXXX XXXX XXXX XXXXn, I am deeply disheartened by the fact that my student loans have not been forgiven when the laws is clear and says 10 years of service. It is distressing to see that organizations like Mohela are taking advantage of individuals like myself who are underserved. 

I am left with no choice but to request the forgiveness of my student loans. As the wife of an XXXX veteran, I am considering taking legal action against Mohela for their failure to approve my application. During my extensive tenure at the non-profit, I have wholeheartedly committed myself to our cause, tirelessly working to positively impact the community we serve. I have personally witnessed the transformative effects our organization has had on countless individuals, and it has been an honor to be a part of this meaningful work. 

Despite my unwavering dedication and service to our mission, the burden of student loan debt continues to cast a shadow over me. The financial strain of repaying these loans poses a significant challenge, and I had hoped that my commitment to public service would make me eligible for loan forgiveness. It is my belief that individuals like myself, who have devoted their careers to serving others through non-profit work, should not be burdened with overwhelming student loan debt. Loan forgiveness for public servants is a vital incentive that plays a crucial role in attracting and retaining talented individuals within the non-profit sector. 

I humbly request your support in advocating for the forgiveness of my student loans. Such an action would not only alleviate a substantial financial burden on me but also enable me to continue my work with renewed dedication and focus. Your assistance in this matter would be deeply appreciated and would have a significant impact on both my personal and professional life. 

Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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  Account Number : XXXX XXXX  Account Number : 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 2024-03-05 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: SC

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 computer science, 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 2 out of 3 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 inquiries : XXXXXXXX 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 XXXXXX/XX/year>

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 2024-03-05 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX and I am preparing this message. It has come to my attention that there have been several accounts under the name fraudulently. My information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to 15 U.S. Code, 1681-C-2 ( a ) consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft. Also, 15, U.S. Code 1681 section 604 ( a ) section 2, states : that a consumer agency can not furnish an account without consumer written instructions. The listed accounts here never received any instructions directly from me, nor did they obtain my personal written consent. No consent is identity theft. I am demanding the removal of these listed accounts immediately. Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-05 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX and I am preparing this message. It has come to my attention that there have been several accounts under the name fraudulently. My information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to 15 U.S. Code, 1681-C-2 ( a ) consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft. Also, 15, U.S. Code 1681 section 604 ( a ) section 2, states : that a consumer agency can not furnish an account without consumer written instructions. The listed accounts here never received any instructions directly from me, nor did they obtain my personal written consent. No consent is identity theft. I am demanding the removal of these listed accounts immediately. Unauthorized Hard Inquiries : 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 2024-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Roundpoint Mortgage has violated IRS laws by failing to produce mortgage interest Form 1098 in a timely manner. Roundpoint mortgage had until XX/XX/XXXX to produce mortgage interest reporting form 1098 and has failed to do so. Roundpoint has caused me damages by delaying my ability to file my personal Federal and State tax returns.

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 2024-03-05 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: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-05 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-03-05 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against CHASE Bank regarding their failure to return my balance from my closed checking account and savings. 
I am a loyal Chase Bank user. I have been using Chase Bank for more than 10 years. However, around XX/XX/XXXX last year, I suddenly couldnt log in to my online account. I called them and they told me that my checking account and savings were closed and the accounts balance would be refunded to me in the form of two checks, so I waited for over two months. I received two letters in XXXX this year. two letters said that my checking account and savings were closed on XX/XX/year>, And the balance {$4500.00} of the checking account and the balance {$350.00} of the savings had been deducted in the form of two checks on XX/XX/year>. But I haven't received my checks yet. I have been to Chase Bank branch multiple times and called them multiple times in two months, it cost my a lot time. and each time they said my case was being reviewed and would not tell me the review time.I just realized my check wasn't mailed and my account balance was wiped clean by chase bank.I did not receive any notification about the reason why my account balance was wiped clean and my account balance have been wiped clean of fund for no reasons.I believe this failure to fulfill their commitment is a violation of their terms and a breach of the agreement made between CHASE Bank and its customers.As I have been a Chase customer for over 10 years, Despite my repeated attempts to contact chase Bank, I have not received any satisfactory resolution to this matter.I am extremely disappointed with this behavior from Chase Bank. This has brought great difficulties to my finances.There is another problem. Around XXXXXXXX, I called customer service and was told that my accounts had been closed. But I received the letter, and it said it was XX/XX/year>, which was inconsistent with the previous date. 

I trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take appropriate action against CHASE Bank if necessary. I would greatly appreciate your assistance in resolving this matter and ensuring that my rights as a consumer are protected. 

Thank you for your attention to this matter. I look forward to a prompt resolution and a favorable outcome. Please do not hesitate to contact me if you require any additional information or documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: SC

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 Account Number : 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 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.

Company response to consumer: Closed with non-monetary relief