vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
I sent a written dispute letter to XXXX to have them verify any debt they claim I owe. Letter was submitted XX/XX/2023, I was told to give them 30 days and it has been 31 days and I havent received a response! I talk to a manager name XXXX, she didnt want to provide last name and the number she uses is # XXXX saying I need to write another letter and allow 30 days for response! I requested her to remove the inaccurate information from my report but she states she cant do that only the investigation team and they only work through email and po box not a live person! This information has been on my report for a couple of months now and they are not removing this information!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services
State: WV

Complaint narrative:
I've had this loan since XXXX. I've paid consistently on it for 5 years but the interest rate is so high it never goes down. I haven't owned the car this loan was taken out for since XXXX. It was a lemon so i went upside down on it. Even though I've consistently tried to make payments on this account it is no longer worth it with the harrasment i receive from them. They call me 30 times or more per week.. 7 or more times per day. I've tried refinancing through them but they give me an even higher interest rate. Somewhere around 27 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: SC

Complaint narrative:
I have not received updated payment information since my consolidation and my PSLF tracker is incorrect since XX/XX/2022. No updates have been made on my account. After a few times of reaching out to get information on when my account will be updated, they keep saying I have to wait.

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 2023-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX and XXXX call them to confirm that i didn't owe anything to them the insurance company paid them off. The amount is XXXX 2nd Global Lending XXXX and XXXX made a call to them as well. Insurance company paid my car off because i had Full coverage through XXXX  the amount for this loan is XXXXThis was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TN

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against AFNI for committing identity theft. I have never given AFNI any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from AFNI before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If AFNI can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until AFNI can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and AFNI continues its collection efforts, I will file for litigation for actual damages caused and AFNI will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XXXX, XX/XX/XXXX, I XXXX XXXX XXXX, placed in the mail a dispute letter addressed to Equifax Information Services XXXX LLC. According to the XXXX XXXX XXXX XXXX because of the proximity of where the my address is and the addressee, the average delivery times was 5-7 business days, meaning the letter should've arrived between XXXX XXXX XXXX. Today is XX/XX/XXXX and I haven't received a status on this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: FL

Complaint narrative:
I signed up for XXXX loan forgiveness. I submitted my application on XX/XX/XXXX, and it took XXXX 5 months to process XXXX XXXX for one employer. They then told me I had to wait to be transferred to Mohela in XXXX on the XXXX. After the transfer, I received my first payment count of 4. I consolidated my loans in XX/XX/XXXX. I decided to be proactive and created a PDF with all the XXXX submissions and all communications I received from XXXX, to speed the process up, not realizing that when I was transferred from XXXX  that XXXX  ( according to a supervisor I spoke with recently ) none of the information is transferred over and so that have to process the upload, which I don't understand why they would need to process a form twice when it was approved by XXXX XXXX I submitted the upload on XX/XX/XXXX and still have not heard anything back, nor has my payment tracker moved past 4. When I call, I get told to wait, and the most recent call said I had two pages 1 's ; one was good because of the " wet '' signature, and the other bad because digital. That it may get rejected, which I can not understand why when the original form was already approved. i submitted another form on XX/XX/XXXX which was marked duplicate. My original XXXX and the one for the year update submitted on XX/XX/XXXX are processed as of XX/XX/XXXX but my accounts have only moved by 10. It's been almost another 30 days with no account movement. I do not believe Mohlea is acting in good faith on my account.

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 2023-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: DE

Complaint narrative:
To Whom It May Concern : On or around XX/XX/XXXX, just after the 24 month seasoning requirement was fulfilled, I called in to Caliber Home Loans to begin the process to remove PMI on my mortgage based upon appreciation and substantial improvements. This call set in motion what could only be considered a series of delay tactics to prevent a homeowner from exercising their rights under the Homeowners Protection Act of 1998. 

When the paperwork was finally received in late XXXX to authorize and fund a BPO showing the increase in value, it was accurately filled out, and promptly returned with full payment on XX/XX/XXXX. As indicated on the attached documentation sent by Caliber, the cost of the BPO was {$150.00} which was remitted. 

On XX/XX/XXXX, I received a follow-on letter ( also attached ) from Caliber, stating the BPO was not ordered because I failed to include the proper payment. The cost was changed and is now listed in the new letter as {$190.00}. This is not only improper in that their previous correspondence clearly states a differing cost, but this is causing unreasonable delay during which they are continuing to profit from their failure to follow guidelines as outlined in the Homeowners Protection Act of 1998. 

I request that Caliber Home Loans take immediate action to resolve this issue by providing the BPO at the price initially quoted and paid for, and that upon verification of qualifying LTV, the PMI be retroactively credited to my account based upon the date of initial phone request of PMI removal. I would appreciate a response to this letter within 10 business days, outlining the steps that you will take to resolve the situation. 

Thank you for your attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 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 1 681 section 602 A. States I have the right to privacy. 



XXXX XXXXXXXX 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 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 1 681 section 602 A. States I have the right to privacy. 



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 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 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 non-monetary relief
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 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 1 681 section 602 A. States I have the right to privacy. 



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 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 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 non-monetary relief
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
For over a year now I've had none stop problems with Trans-union and how they've miss managed my Info and identity. all of these issues have been on going for 18 months plus. I can't get any service Trans-union offers online because every attempt to is meant with " We're unable to complete your request online. '' and " Error retrieving credit report ''. they give you a number to call, sometimes there a chat box, call the number and they want you to use the text support option, if you're patient enough, there's eventually a person to " offer you '' " support '' the only problem is they as useless as the quotes i just used for the word support. their automated system they use to verify my identity sure can match my personal info up with 20 easy questions that covers, My name, address, phone number, SSN, DOB, and so on and so. all the info they use to get me to a live person for help and no help. I've been told multiple times over the last year and half that I have a Current Freeze on my Trans-union and that i have to remove it, because my identity can be verified from trans-union. XXXX denies me for the account everyone gets approved for. good credit, bad credit, XXXX XXXX, second chance banks, death row. everyone is qualified for XXXX. Expect me! they deny me because they cant verify my identity. I have so much incorrect info listed on my trans-union credit report and i can't dispute it. online tells there's an error, call us. I call them and they say i need to use the online portal to verify my info. can't verify my info online, so i have to call this different number. call number, its the wrong department. I literally can't get anything done with them.

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 2023-02-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One has violated my rights under the FCRA, Acct. XXXX 15 U.S. Code 1681 section 602 A. States i have the right to privacy. 15 U.S. Code 1682 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as last for ANY purpose. Capital One is committing fraud by furnishing my private nonpublic information on my credit report without my consent. This information needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: MARINER FINANCE, LLC
State: TX

Complaint narrative:
I sent a letter last month to Mariner Finance regarding a charged off account that is reporting on my credit report. The account has been paid, and I originally had an agreement to remove this account once paid. I sent a letter XX/XX/22 asking for the company to remove this account not only because of the original agreement, but because I was never sent a 1099c for this charge off and the data furnished is inconsistent between all 3 credit bureaus. My credit report will show different payment history which means that this account is not in compliance. The IRS directed me to file form 3949a for illegal tax violations upon your company. There are many FCRA violations that I can go to small claims court and retrieve payment, but I am only asking for the removal of this paid account as of now. I do expect a response and deletion within 15 days since this is not my first time reaching out to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
I the consumer and natural person was denied line of credit by Santander when I submitted a consumer credit application to obtain a vehicle which is a violation of cfr 1002. Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified 15 u.s.c 1691c and is pursuant to civil liability under 15 u.s.c 1692k. I have proof that I was discriminated against due to your letter that was sent XX/XX/23 which makes you criminally liable for violating 15 u.s.c 1691. Furthermore, my social security card ( credit card ) was used, and I received NO BENEFIT which is proof of fraudulent activity on behalf of Santander. If Santander fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make Santander criminally and civilly liable for all actual damages pursuant to 15 u.s.c 1681n and 15 u.s.c 1681o. Without Prejudice All Natural Inalienable Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
ITS SHOW THAT I HAVE A LATE PAYMENT ON MY CREDIT REPORT BUT I WAS NOT LATE AND I NEVER GOT MY STATEMENT TO MY CURRENT ADDRESS

Company response to consumer: Closed with explanation