vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
On XXXX XXXX I received a letter that my insurance was not paid. I have an escrow account for this, so i reached out to XXXX to ask why they did not pay it. They said a bill was not submitted to them. I called my insurance agent he said they did submit it and will resubmit another bill. A couple of weeks went by I received a letter the insurance was to cancel me. I called XXXX again they said they paid it. Another week went by and the insurance canceled my policy. I called XXXX again they said the payment went to the wrong address their fault. I then requested to close my escrow account so I can pay my bills on time. I called my insurance agent and the previous insurance will not cover my house anymore due to XXXX not paying on time. I then had to start a new policy with a new company which cost more per year now. Fast forward to XXXX this year I get a notice from XXXX that I owe for shortages on an escrow account {$460.00}. I called XXXX to get the run around on how I did not have insurance and they charged me. I explained how it was them not making the payments on time and how it cost me more now. I have sent several emails to them stating what happened and they will not acknowledge their fault. Im reaching out for help in resolving this default on XXXX part and for them to correct the error of any shortage. I feel I would never had any issues if they did their job and paid the bill from my escrow account as they should of. I did not ask for the extra fees that Im now charged due to being canceled and the new price of the new insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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 am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Balance {$660.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1800.00} Open Date XX/XX/XXXXXXXX XXXX Balance {$190.00} Open Date XX/XX/XXXXXXXX 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 2025-02-26 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: GA

Complaint narrative:
Seeing an unauthorized inquiry on my credit report this morning was both frustrating and alarming. I wasnt expecting to find any issues, yet this discrepancy suddenly appeared. I attempted refreshing my browser, hoping it would disappear, but it didnt. This needs to be resolved immediately, and I expect a thorough review of my submitted documents to prevent this from ever happening again.

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 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ENOVA INTERNATIONAL, INC.
State: KY

Complaint narrative:
Someone took loan out in my name and withdrew money from my checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Town Financial Corporation
State: OK

Complaint narrative:
Seems to be my loan never goes down. It just continues to grow with them and I do not understand how, I've reached out in the past when I began to have problems and they were so rude to me. I then reached out again today to try and work out resolving the loan and they made slick comments to me about well. If you had paid your bill on time, you wouldn't be in this position as if I didn't already know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: GA

Complaint narrative:
I am writing to file a complaint against Hunter Warfield for improper handling of a debt and repeated inaccurate reporting to my consumer report.

The debt amount originally reported by Hunter Warfield was {$6000.00}, which was subsequently increased to {$12000.00} without any accompanying documentation or a clear explanation for the additional charges. Despite multiple phone conversations where I disputed the charges and requested supporting evidence of their validity, my concerns were disregarded. As a result, I had no choice but to file disputes with all three major credit bureaus. This process caused considerable mental distress and required significant time and effort on my part.

In early 2024, the debt was removed from my credit report ; however, several months later, it was re-reported with a completely different balance. Hunter Warfield , Inc. continues to report this debt to consumer reporting agencies, in direct violation of my rights under 15 U.S.C. 1692c ( c ).

This ongoing issue has resulted in substantial confusion, financial hardship, significant harm to my creditworthiness, and damage to my personal reputation. Additionally, it has hindered my ability to secure fair housing for my family of seven.

Additionally, Hunter Warfield is in violation of multiple consumer protection laws designed to safeguard individuals such as myself against the willful disregard of fundamental consumer rights.

Firstly, under 15 U.S. Code 1681b regarding Permissible Purposes of Consumer Reports, I never provided written consent for the reporting of any information on my consumer reports. This lack of consent, coupled with the imposition of additional fees and charges, constitutes fraud.

Secondly, pursuant to 15 U.S. Code 1692j, which addresses the Furnishing of Deceptive Forms, I am not participating in the collection of the alleged debt. Furthermore, under 15 U.S. Code 1602 ( p ), which pertains to the Unauthorized Use of Personal Information, the actions taken by Hunter Warfield are unlawful.

If this debt is not promptly removed from my consumer report, I will be compelled to file a formal complaint with the Georgia Attorney Generals Office, Consumer Rights Division, as well as an additional complaint with the Consumer Financial Protection Bureau ( CFPB ) seeking monetary damages. Furthermore, I will pursue legal action for false allegations and misrepresentation.

I respectfully request that you investigate this matter promptly and take the necessary actions to remove these discrepancies. Failure to do so will result in the filing of a complaint with the Georgia Attorney General 's Office and a separate filing with the CFPB seeking monetary compensation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding the excessive delay in processing my Borrower Defense to Repayment application and the financial burden it has caused me.

I originally submitted my Borrower Defense application on XX/XX/XXXX, and according to the original timeline, a determination ( approval or denial ) was due by XX/XX/XXXX. Additionally, under federal regulations, if a Borrower Defense application remains undecided beyond the required timeframe, the borrowers claim is supposed to be granted. Despite exceeding both deadlines, my application remains unresolved.

I have made multiple attempts to obtain an update from both the Department of Education and my loan servicer, Nelnet, but I have been repeatedly informed that it will take an additional year to determine the status of my application. In the meantime, I am still required to make payments on my loan, and it continues to accrue interest. 

This situation is causing unnecessary financial hardship and is in direct violation of federal guidelines governing Borrower Defense claims. I respectfully request that the CFPB investigate this matter and ensure that my application is reviewed and resolved in a timely manner. Additionally, I request that my loan payments and interest accrual be paused while my application remains in limbo.

I appreciate your prompt attention to this issue and look forward to a resolution. Please feel free to contact me at XXXX or XXXX XXXX XXXX should you require any additional information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
NOTICE TO CEASE AND DESIST OF DEFAMATION, SLANDER, COLLUSION AND REPORTING TO CONSUMER DATA AGENCIES WITHOUT CONSENT WHO ARE IDENTITY THEFT AND INTENT TO SUE DELETE IMMEDIATELY XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX : XXXX. XXXX XXXX DEFENDANT : NATIONAL CREDIT ADJUSTERS BOND XXXX XXXX XXXXXXXX SUITCASES XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX HIGHEST BIDDER SUBPOENA XXXX XXXX. JUDICIAL DISTRICT COURT RE : ALLEGED ORIGINAL CREDITOR : XXXX XXXX ORIGINAL CREDITOR ACCOUNT NUMBER : XXXX ALLEGED DEBT AMOUNT OR BALANCE {$1600.00} CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR : NATIONAL CREDIT ADJUSTERS : DEBT COLLECTOR BOND/BONDS THEFT STOP VIOLATING THE FDCPA USC 1692D [ I NEVER gave your company consent to use this account XXXX XXXX XXXX IN XXXX ] EXHIBIT -A HJR 1933 : EXHIBIT A1 : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE STOP HARRASSING THIS LIVING MAN I DIDNT GIVE CONSENT TO USE THIS ACCOUNT : XXXX XXXX XXXX XXXX. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE. PLEASE SEND DOCUMENTS FROM THE GRAND JURY AS WELL, WHICH I ONLY RECOGNIZED COMMON LAW. EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED PUBLIC RECORDS CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO XXXX. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY ALSO YOU MAYBE SUED BY THE CFPB. 
ABRUPTLY, XXXXXXXX XXXX XXXX XXXX  XXXX. Living man Far from being DEAD UCC1-308 WITHOUT PREJUDICE without recourse BENEFICARY OF acct XXXX : XXXX XXXX XXXX NOT THE TRUSTEE STOP PLAY WITH MY PERSON

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: WI

Complaint narrative:
Mohela is currently having system issues and reported that my student loans increased which has negatively impacted my credit score.

My student loans are in forbearance and interest is not accruing at this time. I have graduated and not taken out loans in years. The Mohela website currently states I do not have to make payments at this time. There is no activity showing on my account which would show an increase in debt.

When I called Mohela the wait time was 3 hours. After being on hold for 30 minutes I was booted off the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMCB CARD SERVICES ( CHASE BANK ) XXXX XXXX XXXX XXXX, XXXX Subject : Demand for XXXX XXXX XXXX and XXXX with XXXX XXXX  XXXX Identity Theft To Whom It May Concern, I am writing to formally demand that CHASE Bank provide the method of verification used to verify the accuracy of the disputed accounts that has been fraudulently attributed to me. These accounts are the result of identity theft, and I have previously submitted a police report and an FTC Identity Theft Report to support my claim. Despite this, the accounts continue to be reported inaccurately, and the credit bureaus are verifying them as accurate. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( XXXX ), CHASE BANK XXXX XXXX required to conduct a reasonable investigation and must not furnish information that it knows or has reasonable cause to believe is inaccurate. Furthermore, under 15 U.S.C. 1681c-2, once a police report and identity theft report have been provided, the furnisher must block and permanently delete the fraudulent information from reporting. 

I am demanding the following : XXXX. Method of Verification : Under 15 U.S.C. 1681i ( a ) ( XXXX ), provide all documentation used to verify the disputed accounts, including but not limited to : The dates, times, and method of communication with the credit bureaus. 
The name of the individual ( XXXX ) contacted. 
The specific evidence used to verify all of the accounts legitimacy. 
XXXX. Immediate Deletion : In compliance with 15 U.S.C. 1681c-2, permanently block and remove the fraudulent accounts from all reporting. 
XXXX. XXXX XXXX XXXX & XXXX : Under 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( B ), you must cease furnishing any further inaccurate information to the credit bureaus. 

Failure to comply with these legal obligations will leave me with no choice but to pursue legal action against CHASE BANK for violations of the FCRA ( 15 U.S.C. 1681n & 1681o ), including statutory damages, attorneys fees, and punitive damages. 

This is my final notice before legal action. Please respond within XXXX  days from the date of this letter with the requested method of verification and confirmation of deletion. If you fail to comply, I will exercise my rights under federal law, including filing a lawsuit and reporting this matter to the XXXX XXXX XXXX. THE ACCOUNTS IN QUESTION ARE CHASE Account Number : XXXX CHASE Account Number : XXXX CHASE Account Number : XXXX Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: GA

Complaint narrative:
This morning, I discovered incorrect accounts appearing on my credit report, and I have no clue how they got there. I routinely check my report, but this time, I noticed unexpected discrepancies. To ensure it wasnt just a technical issue, I refreshed my browser, yet the errors remained. Given this problem, I request a thorough review of the documents Ive submitted so I can have peace of mind moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX I had an accident at work and was unsure of when I would be able to return as I waited for XXXX To protect ourselves we made several ( recorded ) phone calls bi-weekly to XXXX XXXX to guide us in making the proper decision as far as our mortgage is concerned. We were informed that a Moratorium would be the best solution to protect us, our credit and our home. This decision was made from the information XXXX provided us. We were never informed that we would be reported to the credit bureaus the day after the XXXX ended. The response that we received was that we should have looked in the VA circular for those answers. Is this how XXXX treats their veterans? I am aware that the FCRA requires accurate and complete reporting of credit information but, the FCRA XXXX mandate that it is reported the next day. The only reason we found this out is that we were attempting to get preapproved for a new loan as this house was being listed to sell. This not only hurt us but XXXX as well because we can not sell this house now with such a negative impact on our credit score. XXXX response after listening to the phone calls, while we didn't tell you that you would be reported, you should have read the XXXX  XXXX, referencing XXXX XXXX XXXXXXXX and XXXX. Nowhere in these circulars does it state that you will be reported to the credit bureaus the minute that it ends. Circular XXXX section 4 encourages servicers to offer reasonable solutions to resolve the delinquency. This was not attempted in any shape or form. Section 5 also states that to avoid damaging the credit of veterans, servers are encouraged to avoid negative credit reporting. This could have been done with a simple phone call. XXXX made no attempt to collect this outstanding balance before reporting. On XX/XX/XXXX I paid the full amount of XXXX only because I found out on my own. No reasonable attempt was made to collect this debt. As you can clearly see we have never missed or made a late payment since the inception of our loan as we value our credit score. We certainly would have made other arrangements had we been given the proper information. In turn XXXX knee jerk decision has created a financial turmoil that will take years to overcome.

Company response to consumer: Closed with explanation