vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 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: TX

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear, I deposited XXXX cash into the Bank of America ATM on XX/XX/2023, but the transaction only showed XXXX. I put cash into the ATM and the ATM didn't give me any receipt or give me any options after processing it as usual. There's something wrong with the ATM. I tried contacting Bank of America, I submitted a dispute, and after XXXX inquiries the bank always said they couldn't find any cash. I have videos and photos as evidence. The ATM ID is XXXX. The range is from XXXXXXXX XXXX tXXXX XXXX XXXX on XX/XX/2023. 

Thank you

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
last month i check my credit repor and noticed 4 accounts thats not mine i never applied for i dispute these accounts with the companie and they refused to removed companies listed below XXXX XXXX XXXX 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 2023-11-09 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: MOHELA
State: IL

Complaint narrative:
I had my loans with XXXX until this fall when they were consolidated. In May my loans were on the REPAYE plan, in XXXX they switched to XXXX. This information was never provided to the Student Aid website. My loans were then consolidated and are now with MOHELA. My loans remain on a standard plan, they are in administrative forbearance, Im listed as having to make a payment in XXXX, but the payment plan was never updated on their website or the student aid website. This shouldve been updated in XXXX by XXXX and now with MOHELA. 

I am a XXXX XXXX XXXX XXXX XXXX XXXX  and am applying for loan forgiveness and my loans are listed as ineligible because of their payment plan status. This is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: KY

Complaint narrative:
disputed the accurcy of the information being reported is inaccute and doesnt belong to me accourding to statement the company made no vercation to origal creditor was made and this account is not verifed

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 2023-11-09 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: MOHELA
State: MD

Complaint narrative:
MOHELA assumed control of the student loans. In XXXX when re-payment was set to resume, I received a letter indicating that unbeknownst to me, Mohela had unilaterally decided to place my account in administrative forbearance. I called it took hours to speak to an actual person, and they could not tell me WHY it was placed in forbearance. I asked that it be removed and they complied saying to would be effective within XXXX business days. It was not I called again, representing HOURS of waiting to speak to someone, I was told it had not processed, still given NO insight into why Mohela decided to take it upon themselves to mess up MY account and then take ages to correct the mistake. I made a payment manually to cover the month of XXXX so that i was not HARMED by the interest that would STILL Acrue due to Mohela 's reckless decisions that had NOT been informed by the borrower. Cut to XXXX I received ANOTHER letter about continuing administrative forbearance, I called AGAIN representing more HOURS of time and burden and I was told ( 1 ) it was still not processed when I requested it over a month ago ( 2 ) There was nothing I could do to fix it, so their XXXX up is now MY problem AND IT COSTS ME ADDITIONAL MONEY, ( 3 ) my work to set up auto-debit, and plan to resume payments was for nothing because of THEIR DECISION WITHOUT MY INPUT to put me into forbearance is now requiring HOURS of my time, and runs the risk of costing me money AND delaying my ability to meet the requirements under the XXXX program. This is worse than what the situation it was before, and is actively harming borrowers who are following all of the rules and trying to pay off loans in good faith. This company has recklessly made decisions that were not agreed to by the borrower that effectively CHARGES them more money. I don't know about others but this seems pretty predatory at worst, and harmful negligence at best.

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 2023-11-09 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: TX

Complaint narrative:
I have reviewed my credit report recently and I noticed that there are incorrect addresses that should be removed. I have tried to resolve this issue with equifax before and no results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I had a Bitcoin payment rejected by cash app for a reason that they will not disclose, They sent it back out to the blockchain with an improper transfer fee meaning that my money is just going to sit there stagnant until it's returned to them and then they do it again. They could care less that I'm out a decent amount of money for somebody in my situation. They just keep saying that they don't know what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my Rights! Under Act 15 U.S.C 1681 section 602 says, " 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 an account without my written instructions ''.

Under 15 U.S.C 1666B, " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

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 2023-11-09 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my Rights! Under Act 15 U.S.C 1681 section 602 says, " 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 an account without my written instructions ''.

Under 15 U.S.C 1666B, " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: LA

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 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 2023-11-09 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: AZ

Complaint narrative:
i did not open this account it was opened frequently. I have notified the company but cant reach fraud dept because they will not provide full account/card number

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 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
There have been times where I will see multiple overdraft fees on my accounts. Not just with my current open account, but also with previous account in the past with this particular bank. Every time that I would call to speak with a representative, they are also able to give an explanation for the fees being accessed. From that point, I would try my best for the fees not to be applied but then again, I will have the fees. My question is what is going on and where is my money?

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 2023-11-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Lien release
Company: Peer Advisors, LLC
State: NE

Complaint narrative:
My grandma had a reversed mortgage she passed away back and 2020 OK I had a filed complaint on my violation of rights and because XXXX XXXX and I didnt say any were treating me well that was novad but now the people servicing my grandmas mortgage OK is comp link and I just filed the complaints but I forgot that I put it against XXXX and I Compulink Inc now services my grandmas reverse mortgage. They are refusing to do an appraisal for me and I had a house and my grandmas house is worth {$86000.00}. The money that Im using are the money that theyre trying to get from me is the money going to fix my house so Im not going to be homeless and its not right but they trying to make me pay XXXX and Im on fixed income and its just not right

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: GA

Complaint narrative:
Credit was ran multiple times without consent,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: GA

Complaint narrative:
Credit was ran multiple times without consent,

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 2023-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
My Mortgage loan with Rushmore Loan Management Services ( purchased by Mr. Cooper in XX/XX/XXXX XXXX  ), was transferred or sold to Rushmore Servicing with a balance of XXXX. Notice was only received 15 days after the transfer. Mr.Cooper ( doing business as Rushmore Servicing ) raised my monthly payment from {$1300.00} to {$1300.00} without providing notice or justification. 

No balance was due on XXXX, per the Rushmore Loan Management Services online website, a subsequent statement was published for that date by Rushmore Servicing requiring the new higher payment {$1300.00}, due on XXXX. 

The XXXX payment of {$1300.00} was made on XXXX 

The XXXX payment ( {$1300.00} ) was scheduled for XXXX  and posted to my bank account that day. That payment has not been reflected in the Rushmore Servicing account, still showing a payment due for XXXX 

Additionally, Mr. Cooper reported my 30 year mortgage as closed to the Credit Bureaus XXXX XXXX XXXX XXXXXXXX ) effectively downgrading my credit score. 

Repeated attempts to contact Rushmore Servicing Customer Support on the matter just result in waiting on hold for 30 minutes then a disconnection.

One wonders if Mr. Cooper ( Rushmore Servicing ) staged their own 'hacking ' incident to distract from their incompetent and invalid processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: TN

Complaint narrative:
Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. XXXX XXXX XXXX XXXX XXXX has been placed on my credit report to intentionally and fraudulently hurt me and my credit report. I have disputed this collection several times with the XXXX, XXXX and equifax credit agengies but it has came back as verified on XXXX and equifax but XXXX deleted as they should have. this is not my debt. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. I have not used this company. I have no addresses, phone numbers, or accounts tied to it. It is also reporting as an open charge off account from 2 years ago with recent activity. as of XX/XX/XXXX on XXXX and the last activity on equifax is on XX/XX/XXXX. the date opened on both is XX/XX/XXXX no account details or history on either agency with no term source type. this is fraudulent. on XXXX Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX  XXXX Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type Individual High Balance {$560.00} Unpaid Balance {$560.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Account Information Disputed By Consumer Account details No History Is Available. On equifax it says Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXXXXXX Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type Individual High Balance {$560.00} Unpaid Balance {$560.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating No Data Available Comments Account details No History Is Available Collection agency XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account ID XXXX XXXX No has responded or sent me a validation letter Nothing ties me to this account. 
Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: OK

Complaint narrative:
My employer is incorrect on my experian, transunion and XXXX report. Please update to XXXX. XXXX has only ever been my employer.

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 2023-11-09 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: OK

Complaint narrative:
My employer is incorrect on my XXXX, XXXX and equifax report. Please update to XXXX. XXXX has only ever been my employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: HomeTown Lenders, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX  we closed on a XXXXXXXX XXXX XXXX XXXXXXXX ( now our primary residence ) with Hometown Lenders listed as our mortgage servicer. We sent electronic payments for XXXX and XXXX in the amount of $ XXXX. On XX/XX/XXXX, I learned that our mortgage was sold to XXXX XXXX  and we were showing overdue for the XXXX and XXXX payments. I contacted XXXX XXXX and explained that we made those payments to Hometown Lender. After unsuccessfully trying to get Hometown Lenders to send the 2 payments to XXXX, I paid the two overdue payments to ensure I was current with my mortgage. Since that time, we've attempted to get Hometown to either send us a check for the 2 payments or send the 2 payments to XXXX XXXX  directly to no avail.I can send emails with Hometown payment confirmations and our request to Hometown Lenders to transfer our 2 payments to XXXX if requested.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I started and paid for my quote with XXXX in XXXX for my policy to start in XXXX. My final month with XXXX was in XXXX because they tried increasing my insurance from {$230.00} to almost {$370.00} a month. I advised XXXX XXXX when making the payment that XXXX would be my final month and I have already started service for XXXX with XXXX. I do not owe liberty mutual a dime and the collection needs to be REMOVED from my credit file indefinitely! These practices are unethical and it is wrong to charge someone for services they canceled and paid their final charges. Please remove this account from my credit report! I submitted a dispute on the account and submitted the evidence and Transunion finished my dispute within 2 days and stated the items have been verified which is incorrect! How can information be verified in 2 days? This is my credit and my life that is being compromised! I DO NOT OWE XXXX XXXX A DIME!

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