vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
My message today is to file a formal complaint regarding what I believe to be fraudulent business practices from the student loan servicer " Nelnet ''. I had my loan transferred over from Great Lakes Borrower Services to Nelnet a couple years ago without notice. Since then, it's been nothing but a shocking level of ineptitude and potential fraud in dealing with them. Firstly, I need to create a new password every single time I log in. Every single time. And that's not by design. The system just does not remember who I am. 

Secondly, I applied for forbearance on my loan after being laid off from my job in XXXX. That process was completed, until I was inexplicably told that my loans are STILL due. I have not gotten a reason why this is happening. 

Thirdly, Due to the recent storms in michigan, the government granted disaster relief to residents and gave permission for a months long stay of repayment. All you had to do was reply " YES '' to an email from Nelnet, and it was extended. I did so. I got an email earlier this week saying I've now inexplicably missed a payment on my balance. Even after following THEIR guidelines and steps. That has a real time effect on my credit rating. All out of their negligence and potential fraud. 

Fourthly, XXXX single attempt to contact them is unsuccessful. Hold times are often north of XXXX hours just to talk to a real person, and when you finally do, they can't help you correctly. How can it possibly be legal for a consumer to do business with a corporation that they didn't choose, XXXX that is grossly incompetent and negligent, and is operating under what I believe to be fraudulent? All without being able to contact them correctly! 

I am begging you to please investigate what is happening here. If it's happening to me, it's likely happening to millions of other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/2024 I issued a payment of {$17000.00} to Bank of America to payoff an auto loan I carried with them. I issued the payoff amount through my Bank of America online auto loan account. The funds were taken from my personal bank account at XXXX XXXX on XX/XX/2024. Bank of America never applied the funds to my auto loan, and is refusing to give them back. I have called each day since XX/XX/XXXX, and continue to not have the funds applied to my auto loan or returned to me. Bank of America is fraudulently keeping my funds. Please advise what next actions I should take.

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 2024-03-14 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: TN

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX, and so on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Buyer interested in assuming my VA mortgage with Mr. Cooper. Application packet was received by buyer and sent back to lender overnight on XXXX. I called the lender to confirm packet received, but lender is stating it was not. Packet was signed for from overnight carrier. Packet is now lost. 
More importantly, lender is stating that loan processing time for loan assumption is 4-6 months, while a standard application can be closed on within 45-60 days. Lender is stating that it " takes more to assume a loan '' where in actuality, the process has less steps.

Agent that I spoke with told me that all customers requesting a loan assumption are told it takes 4-6 months for this " procedure ''. I asked for clarification on the procedure, and I was told the steps that it takes to assume the loan, which are the same steps that it takes for a start from scratch loan. 
It is my understanding that one you provide them with 6 pieces of info -name, ss #, address of new home, estimate of value and loan amount they then HAVE to consider it an application and send you a loan estimate, ( LE ) within 3 business days, they have to use diligence asking you for any information they need and have 30 days to render a loan decision and have 45 days to consummate the assumption transaction. 
Waiting 4-6 months to assume a loan is crazy, especially in todays technology driven processes where most documents for the transaction are completed and signed online. Mr. Cooper is not making as much money on these types of transactions, and is therefore dragging their feet on the processing hoping the seller/buyer just give up. 
This is not right and needs to be addressed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: OH

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 non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has placed an internal " block '' on my credit report. It is negatively affecting my credit lines with my creditors. 6 months ago, I requested them to correct the information. I mailed the requested documentation. No confirmation, no receipt was received from them. 

I launched a new dispute, because of the inaccurate address listed on my account and used their online portal to submit the documentation - the same requested in the previous dispute. They reviewed and accepted that change, but have not removed the " internal block '' on my account. 

I was told that the reason why I received no confirmation or receipt was because I did not include the Postal Code extension XXXX XXXX XXXX on the mailing address for Equifax, Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX, which is the mailing address included in their dispute request form. In addition, I did not include a " cover letter '', which is nowhere in their dispute request form. They are intentionally nebulous with their prescription for remedying this situation. 

I have been fighting with them for 6 months - over 15 phone calls and 2 packages including the most sensitive information : social security card and drivers license - and absolutely NO ONE has been able to correct this issue. I have been hung up on, " transferred to tech support '' - which doesn't exist, I have been placed on indefinite holds so that I would hang up and not complete the survey for the representative. They are intentionally vague and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I did not consent to these inquiries and firmly suspect they are fraudulent. I implore you to carry out a thorough investigation and promptly delete them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: NJ

Complaint narrative:
Accounts are inaccurate Under 15 USC 1681 my rights are being violated. And personal information needs to be updated to reflect accurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: FL

Complaint narrative:
ive been a victim of idenity theft i check my credit in janaury and notice a XXXX XXXX XXXX XXXX credit card open under my name that i didnt consent to are had any knowledge of this account. someone open and this XXXX XXXX credit card under my name using my social security number my driver license and my address through united states postal service mail forwarding and also used spoof my cell phone number and open a bank account with XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: OH

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: TX

Complaint narrative:
I have been divorced since XXXX The judge order for a name change. I have constantly asked Transunion to please change my last from XXXX to XXXX and they refuse to move XXXX off my credit report. I have shown my divorcee decree, driver 's license, social secuirty card and passport to show my last name has been change to XXXX XXXX and they are still refusing to change my last name. I am so confused on why CFPB can not help with this sitution. This is the second complaint against them and I know there is something that can be done to rectify this matter. The other credit bureau agencies and my credit accounts all have XXXX XXXX on it. Please help me change my last name with Transunion LLC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MA

Complaint narrative:
Hello- I am part of the XXXX XXXX XXXX XXXX automatic discharge group. I received my borrower defense approval letter XXXX XXXX. Per the settlement agreement my loans are to be discharged, off my credit report, and any payments made and tax garnishments are to be refunded to me. All of that needed to be completed BY XX/XX/2024. That being said they have failed and missed the deadline. This has put my life on hold and deteriorated my mental health. There is a constant back and forth of finger pointing between my servicer, Nelnet, and the DOE. I can provide any documentation that is needed to investigate this issue! 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
{$770.00}, reporting on my XXXX credit report I've requested and have not received anything over the past 120+ days -method of verification -validation of debt including payment history, account numbers, and name of creditor -submitted 1692G ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: TX

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
9 years after the supposed incident occurred, this is the first time Ive heard of this collection/ violation. And its under my mothers name ( XXXX XXXX ) who has lived in XXXX, XXXX for 42 years, not my name, which I was the owner of the vehicle in question. I also never got a ticket for the violation claimed, and do not recall this incident whatsoever. Now they are saying I owe {$480.00} 9 years later, when I dont even recall getting a ticket in the first place.. Under the CA Statute of Limitations, I believe this is not allowable or legal. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am being harassed by Shellpoint to collect on payments that were made to the previous Mortgage Company, XXXX XXXX XXXX. I reached out to Shellpoint Mortgage Servicing ( SMS ) on XX/XX/XXXX to inform those payments were made to the previous mortgage company and I was informed that I was delinquent for payments in 2021. Since all of my payments are scheduled through an auto-pay feature, I was flabbergasted that there were missing payments. I have NEVER been informed by XXXX that I was delinquent. 

I was on deferment during the pandemic. Now SMS has changed my monthly payment from {$1400.00} to {$4400.00} which has my account in delinquent status with late fees and other fees being applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: TX

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: MO

Complaint narrative:
I SENT MULTIPLE LETTERS REQUESTING A BANKRUPTCY FILE BE REMOVED FROM MY CREDIT REPORT. WHEN I CHECKED MY RECENT CREDIT REPORT THE BANKRUPTCY FILE WAS STILL REPORTING. I REACHED OUT TO THE UNITED STATES BANKRUPTCY COURT AND THEY RESPONDED THAT THEY DO NOT REPORT INFORMATION TO THE CREDIT BUREAUS AND THEY DID NOT REPORT ANY INFORMATION IN REGARDS TO ME TO THE CREDIT BUREAUS. I HAVE AN ATTACHED LETTER VALIDATING THEIR RESPONSE.

Company response to consumer: Closed with explanation