vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-10-01 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: MD

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: CA

Complaint narrative:
When XXXX forebearance ended and repayment began in XX/XX/XXXX, I enrolled in the SAVE program which allowed me to pay income driven payment per month with the contingency that the government would pay accrued interest if the monthly payments were not large enough to cover the interest ( effectively meaning that interest would not be accrued on a month to month basis ). I have been in contact multiple times with my loan servicer ED financial regarding this. Despite being enrolled in the SAVE program and paying my monthly payments from XX/XX/XXXX XXXX XXXX ( prior to the new federal forbearance ), my total balance of my loan continued to accrue interest. I have been told by numerous representative at edfinancial different answers. Some examples of answers I have received were that the site was not updating or that they would remove accrued interest at the end of every month. This has never been the case. Most recently, I am being told that since my loan repayment began in XX/XX/XXXX, I was placed on admin forbearance which entails that my loans would accrue interest. This is not accurate as I have documentation that I was enrolled on the SAVE program and have been making monthly payments through that plan. When I told them this, they argued with me that I was enrolled on admin forbearance and not on the SAVE program. I was able to provide proof that I was on the SAVE program. When explaining the SAVE to them, they then shifted gears and told me that the reason why my account accrued interest was because I never recertified to continue the SAVE program. To my knowledge, there was no reason to recertify because it hasn't even been a year since I initially enrolled on the SAVE program. Furthermore, I have correspondence from ED financial in XXXX of XXXX that states that they proactively extended my IDR plan and that at this time no further action is required. So basically from XXXX XXXX XXXX of XXXX despite making my monthly payments, my account has accrued XXXX dollars in interest despite being on the SAVE plan during that period in time. I tried to rectify with the loan servicer but they keep giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC
State: OK

Complaint narrative:
My loan was transferred from XXXX XXXX XXXX to Selene Finance around the beginning of XX/XX/year>. I got a phone number from XXXX for Selene Finance to call and make a payment. The number being ( XXXX ) XXXX. When I called the first time, an automated message told me that I had to wait until I received a letter in the mail with my account number on it. I received that letter XX/XX/year>. The letter told me to call the number above. I called a second time and was able to get a hold of a representative who submitted my payment on XX/XX/year>. I also created my account the same day and and it told me that my payment was received XX/XX/year>. A week later I received a letter saying that I have not paid my loan yet. My account says there was a processing error on their end and that it was denied and then the error was revoked, and it was processed again.. I then submitted a second payment online XX/XX/year>. I then received a letter XX/XX/XXXX saying I still have not paid my loan. I have tried calling approximately 20 times, was led in circles through their automated system, and was still not able to talk to any representative of the company. I have requested help via email to no response. In the 5 years I've had my mortgage, I've never been late and I've never had this issue with previous mortgage companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
On XX/XX/XXXX I looked at my credit report, and I noticed some inaccuracies. I sent a letter to XXXX on XX/XX/XXXX asking them to investigate these accounts " XXXX '' and information I sent i certified mail, XX/XX/XXXX they sent me their investigation and said those accounts are verified and accurate. And according to 15 USC 1681i ( 5 ) | see it states after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or Incomplete or can not de verified. The credit bureaus did not re-investigate and violated my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: PA

Complaint narrative:
Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Your Email Address ] [ Your Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Complaint Regarding Inaccurate Debt Reporting and Unlawful Use of Consumer Credit Information Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint regarding the inaccurate reporting of my debt and the unlawful use of my consumer credit information by the credit reporting agencies. I believe this issue violates several provisions of federal law, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Specifically, I have encountered the following issues : Inaccurate Reporting : The credit reporting agencies have reported debts that are either incorrect or do not belong to me. This misinformation has negatively impacted my credit score and my ability to obtain credit. 

Unlawful Communication : Under 15 U.S.C. 1692c ( a ), debt collectors are restricted in their communication practices, especially regarding when and how they can contact consumers. I have received communications that violate these provisions, including attempts to contact me at inconvenient times or without my consent. 

Unauthorized Use of Consumer Information : Per 15 U.S.C. 1666b, the use of my credit information appears to have occurred without proper authorization, leading to further inaccuracies in reporting and adverse effects on my credit profile. 

Violations of the FCRA : The inaccuracies I have experienced also contravene several sections of the FCRA, including but not limited to 1681, which mandates that consumer reporting agencies ensure maximum possible accuracy in their reports. The failure to correct these inaccuracies is not only damaging to my financial standing but also unlawful. 

account-XXXX XXXXXXXX Given these violations, I request that the CFPB investigate this matter thoroughly. I seek corrective action to ensure that my credit report is accurate and that the unlawful practices cease immediately. 

I appreciate your attention to this serious matter and look forward to your prompt response.

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 2024-10-01 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately 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 2024-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
A few days ago, on XX/XX/XXXX, I noticed a fraudulent withdrawal of {$1800.00} from my Wells Fargo checking account. The transaction took place at a branch XXXX miles away from where we live, which we have never visited, on XX/XX/XXXX. Both my husband and I have our debit cards and IDs in our possession, and neither of us made this withdrawal. I immediately reported the issue to Wells Fargo, and they opened a claim, but the claim was denied the following day, stating there was no wrongdoing on their part. 

At the XXXX XXXX XXXXXXXX branch, where the fraud occurred, the staff refused to provide any information when I contacted them. 

I am now highly concerned about potential identity theft and suspect there may be internal collusion within the branch.

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 2024-10-01 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-10-01 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:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXXXXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was made on time. I paid the amount due well before the due date. I have attached bank statements and a payment confirmation that show the payment was processed successfully and on time. 
Furthermore, the account was closed by me in XX/XX/XXXX, and there was no balance owed at the time of closing. The late payment report appears to have been a clerical error in the final account closure process. 
No notifications or warnings were provided to me about a potential late payment, and I received no communication regarding any delinquency. This suggests that the report of a late payment is incorrect and should be removed. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-10-01 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:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was made on time. I paid the amount due well before the due date. I have attached bank statements and a payment confirmation that show the payment was processed successfully and on time. 
Furthermore, the account was closed by me in XX/XX/XXXX, and there was no balance owed at the time of closing. The late payment report appears to have been a clerical error in the final account closure process. 
No notifications or warnings were provided to me about a potential late payment, and I received no communication regarding any delinquency. This suggests that the report of a late payment is incorrect and should be removed. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: NVR INC.
State: NJ

Complaint narrative:
Subject : Request for Assistance with Mortgage Issues at NVR Mortgage Dear CFPB Team, I hope this message finds you well. I am writing to seek your assistance regarding a concerning situation with my mortgage lender ( NVR Mortgage ), XXXX XXXX ( XXXX ), who is handling my loan for a home purchase with XXXX XXXX XXXX. 

Initially, XXXX XXXX agreed to return my initial deposit before 30 days of closing, which I now understand is not being honored. Additionally, he advised me to lock in a high mortgage rate of XXXX  % for XXXX days, and deducted fees from my initial deposit without my signed agreement. 

As we approach the closing date, XXXX XXXX is not returning the promised funds from my deposit, despite previous assurances. Furthermore, he stated that he would apply all seller credits toward HOA, escrow, or closing costs without any losses. However, he is now changing his position on these commitments. 

I have made numerous attempts to reach out to him via email and phone, but he has not responded. This lack of communication, coupled with unexpected fees, is increasing my financial burden and leaving me uncertain about my options. 

I would appreciate any guidance or support you can provide to help resolve these issues with XXXX XXXX and ensure that the terms of our agreement are honored. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX i have attempted to catch up on XXXX late payments for both XXXX and XXXX. Planet Home Lending refused to take payment without answering a series of personal questions. Under duress and in direct violations of my rights vague answers were provided about " why I was late and when I would pay XXXX payment '' Planet Home Lending is making it next to impossible to catch up and I believe violating consumer rights not allowing them to pay online or without answering probing and invasive questions. I have an audio recording of the incident I would be happy to provide to the CFPB

Company response to consumer: Closed with explanation