vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-23 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: NJ

Complaint narrative:
I currently have some unauthorized inquiries appearing on 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 2023-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: NEW YORK COMMUNITY BANCORP INC
State: NM

Complaint narrative:
I closed on my home refinance in XXXX XXXX XXXX. At this time on XX/XX/XXXX my LTV is around 68 % or less. My home loan balance is XXXX and my estimated value is XXXX. I contacted flagstar bank to let them know I would like my PMI removed and they are stating the loan has to have the PMI for 11 years. I asked for paperwork with proof of this requirement and they were unable to provide none on XXXX My loan number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened a new wells Fargo everyday checking account with a bonus offer code on XX/XX/ and then I set up the account I deposit {$25.00} and had my employer direct deposit all my payments to this account so I have all the requirements to get the bonus. Finally more than 90 days passed with everything that was asked to me was accomplished but they are saying that my employer isn't using direct deposit because my employer pays me direct deposit to my debit card connected to my wells Fargo, they say it's gota be ACH deposit but my employer pays me direct deposit like that do they denied me my bonus unfairly. They made me loose all that time for absolutely nothing, they could at least tell you in advance, but wells Fargo customer service is one of the worse I've experienced in all my banking experiences. I just want them to honor their word and stop false advertising nonsense. If my employer is depositing money in my account constantly and I have a steady XXXX balance then it's proof enough that I'm doing what I'm supposed to do.

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 2023-09-23 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: Maximus Federal Services, Inc.
State: KS

Complaint narrative:
XXXX : After I called Aidvantage on XX/XX/XXXX about entering in an XXXX plan, they approved me into the XXXX  program using incorrect income information with a monthly payment of {$400.00}. As soon as I saw this document from them, I reached out again on XX/XX/XXXX about reducing my monthly payment. For reference, my XXXX XXXX was approximately $ XXXX, so there was no way I should be paying that much on a monthly basis. 

XXXX : I received a document from Aidvantage stating there was a change in my loan terms. The new monthly payment became {$300.00}. 

XXXX : I received another document from Aidvantage saying they automatically converted me to the XXXX plan. 

XXXX : I called Aidvantage many times about getting my monthly payment calculated correctly. I used the Studentaid.gov website to calculate my payment using the correct IRS info, and it should only be around $ XXXX. After several unhelpful representatives brushed me off, I finally found someone who confirmed that I should be paying that amount. He assured me that he would get this changed on their side. 

XXXX : 3 weeks later I received 2 documents from Aidvantage. The first one stated that " it's too soon to process your XXXX  recertification '' and that they were unable to process my recertification request. The second document is a monthly statement from XXXX with the incorrect payment amount of {$300.00} to be paid by XX/XX/XXXX. 

I plan on reaching out again, but I've been trying to get this settled since XXXX with many phone calls that were either disconnected mid-conversation or left uncertain. I shouldn't have to pay {$130.00} more per month just because Aidvantage is incorrectly managing my loan repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian is accepting fraudulent information from a furnisher onto my credit file without permissible use. Experian is also failed to verify with the furnisher, a contract that would enable the furnisher to report an account onto my credit profile. Neither the furnisher nor Experian sent any notice to me prior to placing the alleged debt onto my credit profile in order for me to assert any obligations. The debt reports no payment history, yet in XXXX of 2023, Experian reports this alleged debt as a new collection account. Said action is a FCRA violation. In addition, after I notified Experian of said violation in 2 online disputes, instead of removing the account from my profile per FCRA law, they deliberately sabotaged my profile and compounded said violations by duplicating said fraudulently reported account. After their false dispute and research into the matter, Experian is now reporting the same debt as a duplicated debt bearing the same account number doubling the amount of said alleged debt. This is deliberate inaccurate credit reporting. Experian is now illegally reporting the same account 2 times onto my credit file.

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 2023-09-23 00:00:00
Product: Mortgage — Conventional home 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Hi, I'm a XXXX XXXX  making XXXX a year and have been paying on my mortgage for 20 years without fail. 
I have an XXXX  mother and XXXX dogs to take care of. 

Lost my job in XXXX. Called Mr. Cooper to let them know. They said they could offer no help and to call back after I missed payments. 

This company also has problems with their phone system, have been notified, and make it nearly impossible for customers to reach them. 

Got a job and haven't received first paycheck yet. Called Mr Cooper to make arrangements and they're threatening me with foreclosure because I'm 3 months behind. 

I can not pay the higher interest rate for the loan to be modified, I can not afford that. 

It is criminal that Mr Cooper is offering no solutions. All they offered was for me to pay all 3 months by the end of XXXX ( which is ludicrous ). 

We need consumer protection- this company is using strong-arm tactics I need help, please!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: MO

Complaint narrative:
Transunion is accepting fraudulent information from a furnisher onto my credit file without permissible use. Transunion has also failed to verify with the furnisher, a contract that would enable the furnisher to report an account onto my credit profile. Neither the furnisher nor Transunion sent any notice to me prior to placing the alleged debt onto my credit profile in order for me to assert any objections. The debt reports no payment history, yet in XXXX of 2023, Transunion reports this alleged debt as a new collection account. Said action is a FCRA violation. Transunion reports said fraudulently reported account as a loan with a 14 year history, but has no payment history, yet Transunion affirmatively reports the account as a charge-off account ruining my credit rating. Transunion does not report any contract terms, no delinquent payments yet somehow reports the account as a delinquent chargeoff. That is inaccurate and false reporting. Transunion failed to verify the accuracy of said account before placing the account onto my credit file. Said action was done without permissible use.

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 2023-09-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
The apartment I rented charged me {$300.00} of trash dumping fees that I believe is wrong. I did not dump anything when I left. I have requested surveillance footage proof of me dumping furniture in the dumpster, as well as an itemized bill for the trash dumping. This is information the apartment management has previously claimed they have, but none of which they were able to provide in the 5+ times that I contacted them in the past, neither did the collection agency. Additionally, I requested that the debt not be reported to credit reporting agencies until the matter is resolved but they didn't agree to it. The debt was originally reported to me on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: AL

Complaint narrative:
See letters sent, there are multiple errors on my credit report and they need to be rectified

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 2023-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is falsely reporting that I am an enrolled student. I am not. Mohela says half of my loans are in in school deferment. I called and asked about this issue and informed them I briefly enrolled at the XXXX in XX/XX/XXXX but immediately withdrew. For some reason the university is updating my status monthly as enrolled. I am unable to get in touch with anyone at XXXX to resolve the issue. Second, in XXXX I requested that my student loans be in repayment status while I was in XXXX XXXX. My loan servicer is reporting that my loans were in deferment for 6 months of XXXX. Mohela told me that I could get this corrected via FSAs site. There is no such form for correction on FSAs site. Mohela also said that FSA is reporting my enrollment at a university- I looked in FSAs site under your enrollment and the XXXX  is not reporting as a school Ive attended- BUT they still show that half of my loans are in deferment status. This all matters because I have been a public educator in the PSLF program for 15 years. I should be eligible for forgiveness NOW but am not due to these issues and inaccurate payment counts as a result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TX

Complaint narrative:
they ruined my credit showing many months of collection on a debt. third party collector Account Info Account Name I C SYSTEM INC Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$360.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$360.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$360.00} Highest Balance - Terms 1 Months On Record Until XX/XX/XXXX Payment History 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 XXXX XXXX XXXX Payment history guide Collection as of 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 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 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 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 explanation
Consumer complaint received 2023-09-23 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$690.00} XX/XX/XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 sw 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, In fact therefore exists.

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 2023-09-23 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$690.00} XX/XX/XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 sw 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, In fact therefore exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 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: TX

Complaint narrative:
I have asked for information proving that some accounts belong to me as well as some hard inquiries that Im unaware of. I am just now looking at my credit card and realize that its a lot wrong. I have sent letters and letters for months. I never get my proof only that theyve updated the account.

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 2023-09-23 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: TX

Complaint narrative:
I have asked for information proving that some accounts belong to me as well as some hard inquiries that Im unaware of. I am just now looking at my credit card and realize that its a lot wrong. I have sent letters and letters for months. I never get my proof only that theyve updated the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 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: PA

Complaint narrative:
I downloaded a payoff letter from Mohela and mailed a check on XX/XX/14 to the XXXX XXXX address listed on my payoff letter. 

Mohela cashed my check for {$15000.00} on XXXX XXXX ( Please note that the amount I sent is actually different from the payoff because I mis-wrote the check and owe them about another {$90.00}. ) I have uploaded my bank 's evidence that they have cashed the check. The transaction number is listed on the letter, and it specifically states that the transaction is MOHELA. 

I have called them twice, I have uploaded evidence of the payment, and the payment is still not credited to my account. I reached out to them two additional times via the portal. Further, they have charged me interest on my full balance. 

I have also filed a complaint with Student Aid. I don't know what else to do at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: AL

Complaint narrative:
See letters sent, there are multiple errors on my credit report and they need to be rectified

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
Noticed a collection on my credit report. I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXX XXXX. They did not provide me with the original contract. In addition, upon checking, the name on the account is not mine. I beleive I was the victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Hello, I recently applied for a CHASE Sapphire card. The application pended for XXXX verification. CHASE wants to reverify my DOB and Address. It's very odd since I am already a customer. 

Regardless, I sent in the required documents. I just received a letter stating that the documents were not sufficient. I sent in a copy of my drivers license and my marriage certificate. That should be more than enough to verify my name, DOB, and address. 

Can someone competent please review my application and documents I sent in and move forward with the application process? 

Also, my name is not XXXX XXXX XXXX. It's just XXXX XXXX ( middle initial XXXX ). A long time ago I called into CHASE 's servicing call center - the rep kept calling me XXXX, and the next thing you know my name was changed. Can you please update my name to reflect accurately as XXXX XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: CA

Complaint narrative:
There are several accounts listed from XXXX XXXX that according to the IRS publication Topic # 431 should be listed as income. There are also violations of the FCRA 15 U.S code 1681 ( A ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. These accounts are being updated on a monthly basis even though they became income in the month of XX/XX/XXXX. The accounts in question are : Account name : XXXX Account number : XXXX Account type : XXXX account Date opened : XX/XX/XXXX Status : Charged Off Date Charged Off : XXXX Date Last Reported : XXXX Balance : {$1200.00} Account name : XXXX Account number : XXXX Account type : XXXX account Date opened : XX/XX/XXXX Status : Charged Off Date Charged Off : XXXX Date Last Reported : XXXX Balance : {$1200.00} Account name : XXXX Account number : XXXX Account type : Overdraft Date opened : XX/XX/XXXX Status : Charged Off Date Charged Off : XXXX Date Last Reported : XXXX Balance : {$4900.00} Account name : XXXX Account number : XXXX Account type : Installment account Date opened : XX/XX/XXXX Status : Charged off Date Charged Off : XXXX Date Last Reported : XXXX Balance : {$2000.00} Account name : XXXX Account number : XXXX Account type : Installment account Date opened : XX/XX/XXXX Status : Charged off Date Charged Off : XXXX Date Last Reported : XXXX Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
On XX/XX/2023 Frost Bank received direct deposit from XXXX holders for my employer XXXX payroll handled by XXXX. 
I have called and went to the office in XXXX, with no assistance in receiving my paycheck direct deposit of {$410.00}. I had the same problem with my part time job XXXX. It took me three months before. I received my first paycheck. I have notified my employer and they have put a trace on the deposit. Frost states they honor all transactions, but they don't.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-23 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: PA

Complaint narrative:
I currently have a Fruad account appearing on my credit report delete immediately. I have attached all supporting documentation.

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