vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
Morgan Stanley Private Bank mortgage loan # XXXX Due to XXXX, XXXX ' faced a business disruption which created a temporary personal cash shortfall and she fell behind on her mortgage payments to Morgan Stanley Private Bank XXXX The business disruption has been resolved. The cash shortfall is temporary and her business will be profitable and cash flow positive in XX/XX/XXXX. 

In the meantime, she is able to resume making mortgage payments immediately from proceeds of a forgiveable loan from a family member. 

The loan to value ratio of the loan is approximately 35 %. Loan amount is ~ {$1.00} XXXX and the home value is ~ {$3.00} XXXX. 

In XXXX, her debt service to income ratio on the mortgage will be somewhere in the 6 % to 19 % range based on profitability estimates of the business. 19 % being extremely conservative and will likely be around 10 %. 

She has attempted to pursue a forbearance or modification with Morgan Stanley Private Bank. She has provided all of the documentation they requested and 'INVESTMENT ADVISOR ' has prepared a detailed explanation of the situation for Morgan Stanley . Most of which was provided both by hard copy and electronically in mid XX/XX/XXXX. 

However, as of today XX/XX/XXXX, Morgan Stanley has still not reviewed the documentation and claims that there are documents missing which is not the case. 'INVESTMENT ADVISOR ' created a file title 'Documents Checklist ' with a statement related to every piece of documentation requested. 'BORROWER ' and 'INVESTMENT ADVISOR ' have called Morgan Stanley Private Bank multiple times every week since mid XXXX. As of our most recent phone call today, it is clear that Morgan Stanley Private Bank has not read the 'Documents Checklist ' and the loan has not yet been put in front of an internal underwriter who can make a decision regarding a forbearance or modification. Morgan Stanley is going in circles. 

The loan in question still has not been put in front of someone who can make a decision. This is 2 months after originally submitting the documents requested and with a foreclosure sale scheduled for less than a month from today. I question Morgan Stanley Private Bank 's professionalism and overall competence as a mortgage lender in the US, especially during a tenuous time for many borrowers. 

There is a history of a lack of professionalism and possible outright incompetence between 'BORROWER ' and her former Morgan Stanley Financial Advisor ( s ). She is now in a situation where her home could be foreclosed upon. She originally paid cash for the home which she owned free of any liens whatsoever. Later, her Morgan Stanley Financial Advisor advised her to borrow money in the form of a first mortgage, which is the loan in question now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in 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 non-monetary relief
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I sent in a request to the creditor & credit reporting agency 's alleging false information and reporting to Experian, XXXX, & XXXX indicating I have a outstanding collection and past due amount of {$3200.00}. This is inaccurate reporting on my credit report, and i don't know how a collection agency is reporting a 'past due ' balance on an alleged collection? This is a violation if the 15 u.s.c 1681g law. I have experienced several damages to my good name due to this inaccurate reporting.

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
( DISPUTE CODE - XXXX ) My personal information was stolen in 2020, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 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 hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
( DISPUTE CODE - XXXX ) My personal information was stolen in 2020, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX : XXXX 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 hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: ID

Complaint narrative:
Received a letter from a Student loan consolidation that I thought was connected to the department of education, I called the number listed and was connected to an individual. after an hour and going into my fafsa to post a link I was given a 6 month installment plan of XXXX, i was informed after this 6 months they would write a check to my main Loan servicer to pay off over XXXX of my XXXX student loan. They took down all my personal information and my bank account to take the money out. My dad told me to do some research to make sure it was legit, I sent a email to the department of ED with a copy of this letter and was told they do not affiliate with this company, I believe they are trying to scam me out of money. I called my bank to place a stop on the remainder payments and put the one posted as a fraud to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: AES/PHEAA
State: IA

Complaint narrative:
Hello! 
I requested a {$10000.00} refund from MyFedLoan on around XX/XX/2022 for payments made during the pandemic. This continues to be pending and there has been no update despite almost two months of waiting. I've called MyFedLoan multiple times and they give me different timelines each time or say they don't have a timeline. 

It should be noted, I currently have a {$10000.00} balance that was transferred from MyFedLoan to XXXX. Both XXXX and MyFedLoan have said to request the {$10000.00} in payments made to MyFedLoan during the pandemic from MyFedLoan. 

Any help would be much appreciated. 

Unfortunately, the payment history of these loans is not on MyFedLoan or XXXX websites for some reason..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Computer Credit, Inc.
State: OH

Complaint narrative:
Hello my name is XXXX XXXX ( account # XXXX ) and I am seeking assistance regarding a financial issue that I have with XXXX XXXX XXXX is a summary of the issue detail is also listed further down. 

Summary : I was quoted a price for a procedure ( in this case it is the XXXX step for an XXXX ) The below is the only data I have ever been provided but AFTER the procedure was done and finally billed properly to my insurance, I have been told I am responsible for {$2100.00} had I been told, I would not have had the procedure done. 
Based on their ONLY quote to me, I should only owe {$790.00} ( after the in-network XXXX discount - {$1300.00} - {$600.00} ( already paid ) = {$790.00} due When I started the same process on a different tooth number I met with and had a conversation extensively with the office manager and was never told that the pricing has changed As stated, the detail is listed below but the bottom line is that XXXX XXXX is charging me of an amount different than what I was quoted for a procedure and its unacceptable to do that after the procedure is done Not only have I had a lot of significant issues with this office but now this debt has been turned over to a collection agency when it should not be because the numbers are not correct I am certainly hoping that two things will happen : That XXXX XXXX will honor what I was quoted o The discount I was offered is a mute point it is $ off a wrong number and still expects a higher payment than quoted. 
That the account will be recalled from the collection agency because it is not appropriate for my credit to be impacted by XXXX XXXX mistake I have not yet sent any additional $ $ because what my insurance paid or did not pay isnt the true issue the true issue is that I was quoted {$1300.00} ( after the in-network discount ) for this step and I should not have to pay more than this amount regardless of where the $ $ comes from. 


The detail is listed below but the bottom line is that XXXX XXXX is charging me of an amount different than what I was quoted for a procedure and its unacceptable to do that especially after the procedure is done. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX ( XXXX ) XX/XX/2021 {$2100.00} {$680.00} {$720.00} {$700.00} {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Received notice that if i took care of this debt it would be updated as paid as agreed but after 30 days it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Mid XXXX I had notice a collection from XXXX XXXX and XXXX XXXX was removed from my credit file. My credit score had increased thats why I noticed. Also the credit files of other people on that account had noticed as well that it was removed. 
Beginning of XXXX I had noticed it was reinserted without notifying me within the 5 day period of the collection being reinserted. I had tried to dispute it on my credit karma file I wasnt able to write why it needed to be deleted from the credit file. So this leads me to make a complaint out. I would like the collection deleted off the credit file due to them not following proper protocol. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Mid XXXX I had notice a collection from XXXX XXXX and XXXX XXXX was removed from my credit file. My credit score had increased thats why I noticed. Also the credit files of other people on that account had noticed as well that it was removed. 
Beginning of XXXX I had noticed it was reinserted without notifying me within the 5 day period of the collection being reinserted. I had tried to dispute it on my credit karma file I wasnt able to write why it needed to be deleted from the credit file. So this leads me to make a complaint out. I would like the collection deleted off the credit file due to them not following proper protocol. 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 2022-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: U.S. BANCORP
State: CA

Complaint narrative:
Reporting information with actual knowledge of errors a person shall not furnished any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the information is Inaccurate. 

And 623 subsection ( D ) The term reasonable cause to believe that the information is inaccurate means having specific knowledge other than solely allegations by the consumer that would cause a reasonable person to have substantial doubts about the accuracy of the information. 

XXXX and US bank violates this section due to the fact an extensive packet was sent to XXXX and an extensive packet was done at a US Bank location which means, they receive this information in real time. This information contain police reports, identity theft reports, federal trade commission reports, and supporting documentation to validate that a unprecedented Fraud situation has occurred. Enough information was provided that a person could reasonably determine inconsistencies and errors that would prompt any reasonable person to not re-report this information. Plus, we can not forget that US Bank sent a letter stating that they did not have this information which means, they acted prematurely in violation of several federal laws. 

U.S. Bank and XXXX were also provided information from local and federal law-enforcement as well as government agencies stating and certifying that my personal information was being used on a multitude of levels including to file taxes to request government assistance and several attempts were made to obtain a XXXX loan without my knowledge or consent. All paperwork in which this bank ignored.

Section 623 Section ( 6 ) ( a ) and ( B ) responsibilities of furniture of information to customer reporting agencies Information alleged to result from identity theft. If it consumer submit an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such report stating that information maintained by such person that reports to relate to the consumer resulted from identity theft, the person may not furnish such information that reports to relate to the consumer to any consumer reporting agency. 

US Bank failed to review the fraud packets that were done at their branch. US bank reported information without first reviewing the fraud claim. Because of this action, US bank violated this section.

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