vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: FIRST HOME MORTGAGE CORPORATION
State: MD

Complaint narrative:
I am compelled to escalate my complaint regarding the persistently unresolved loss mitigation application with First Home Mortgage, serviced by XXXX, initiated on XX/XX/2023. Despite submitting three complaints to the Consumer Financial Protection Bureau ( CFPB ) in an attempt to address the issue, the lender 's responses have been characterized by misinformation, evasion, and a disturbing lack of accountability. 

A particularly egregious aspect of this ordeal is the lender 's frivolous claim regarding the reopening of the Maryland Housing Assistance Fund ( MHAF ), which was unequivocally closed due to the lender 's negligence in XX/XX/2023. Contrary to their assertions, my diligent follow-up with the MHAF, including a recorded conversation with a representative in XX/XX/2023, confirms that no such communication or reopening has occurred. This misinformation not only misleads but also unjustly raises false hope of potential relief. 

Moreover, it has become evident that First Home MortgageXXXX has engaged in deliberate stalling tactics concerning the processing of my application. This calculated delay appears designed to exacerbate the financial burden on my account, thereby increasing the balance owed. Such practices are indicative of a broader predatory approach, especially towards veterans, exploiting their circumstances for profit. This assertion is substantiated by numerous complaints lodged against the lender, pointing to a pattern of unlawful and unethical conduct. 

The lender 's continued disregard for the Department of Veterans Affairs ' moratorium on VA-backed delinquent loans, their inaccurate reporting to credit bureaus, and their overall opaque and obstructive handling of my case, are matters of serious concern. These actions not only contravene ethical lending practices but also inflict undue stress and financial harm on those they purport to serve. 

Given these circumstances, I urge the CFPB to take immediate action to address these grave issues. It is imperative that First Home Mortgage/XXXX be held accountable for their actions, provide a transparent and expedient resolution to my loss mitigation application, correct any misreporting to credit bureaus, and ensure compliance with all relevant directives and ethical standards. 

I am fully prepared to furnish any additional documentation or evidence that may be required to support this complaint and facilitate your investigation into these matters. 

I trust in the CFPB 's commitment to protecting consumers from predatory lending practices and look forward to your prompt and decisive intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: MN

Complaint narrative:
US Bank has been in the process of closing my checking account. On XX/XX/2024 they locked my account. I called the next day on XX/XX/XXXX to understand why I can not log into the bank app. It has been 2 months and have not received a lot of information. They have not told me when they'll send my money. It is {$8300.00}.

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 2024-03-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX I - XX/XX/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 2024-03-04 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:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MO

Complaint narrative:
XX/XX/XXXX, XXXX completed all required documentation for Public Service Loan Forgiveness and uploaded information with both Mohela ( loan servicer ) and Federal Student Loans ( Department of Education ). 
XX/XX/XXXX : called and messaged Mohela for more information. Mohela representative explained that my application was under review and it could take 30-90 days. 
XX/XX/XXXX : Mohela sent a message regarding XX/XX/XXXX message stating that the XXXX message was being reviewed. 
XX/XX/XXXX : I messaged Mohela to inquire about the status of my loan forgiveness. They reported that no additional information was needed and that my refund would be reviewed in another 60-90 days. 
XX/XX/XXXX : Mohela responded again that I met the qualifications for forgiveness. 
XX/XX/XXXX : I contacted Federal Student Loans and was told they could see no application for forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 2024-03-04 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is creating undue stress, and I implore you to quickly correct it by ensuring my records are updated accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
the compay is : portfolio recovery associates : a bill from XXXX XXXX XXXX XXXX  EVERY COUPLE OF YEARS, they start sending this to me, having people come to my house i believe, i do not owe this debt and im tired of them harrassing me over it, i filed bk years ago, and this was probably on it, its been off my credit report for a very long time, i dont have info on the debt because again ive filed bk years ago, attached is the form they send, they are harrassing my phone, as well

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: LA

Complaint narrative:
I XXXX XXXX a consumer has asked the 3 major credit reporting agencies to update the correct the inaccurate, incomplete, and incorrect information showing on my credit reports. I have sent them letters on several dates XX/XX/2023, XX/XX/2023, XXXX, XXXX and Experian have completely disobeyed FCRA, they have not removed personal information that needs to be removed immediately such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX La. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX. 
I am begging that you rove the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. So, I am requesting that all of this inaccurate information and mistaken identity be removed for my credit report immediately.

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 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please examine the attached documents. I request the bureau to investigate these accounts, as they inaccurately label me as delinquent despite my consistent punctuality.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: MD

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Please investigate and process my disputes for all these collections that im disputing. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - XX/XX/year>

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 2024-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I received an email my checking account balance was below a certain amount which I knew was not accurate. I logged into my Chase.com account and saw a check pending for XXXX which I did not write. I called thinking there had been fraud. The chase representative pulled up the check details it was not my name or my account number it was a system error that took the money of out of my checking account by mistake- I said great so fix your mistake we cant so they can take the money out but they cant put it back in? This is not my mistake and now I cant go grocery shopping and my bills will not clear and checks will bounce and Ill get fees over something chase did wrong. The representative sent me to a supervisor named XXXX who claimed its a 5 day process to fix their mistake and he couldnt give me my money back or do anything to help me. So at anytime chase can go into my account take my money and theres nothing I can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION
State: MD

Complaint narrative:
XX/XX/24 I lost all access to my checking and saving accounts for reasons, unknown. I still don't know why and have been told by Alliant credit union representatives that my account is with a consultant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: CA

Complaint narrative:
My Social security income is sent via Direct express every XXXX of the month. I tried to withdraw funds on XX/XX/XXXX XXXX but the ATM showed " Invalid card " I tried to call Direct express multiple times at different times but unable to speak to anyone. I also emailed but no reply. I verified with social security, and they confirmed funds were sent to Direct express on XXXX XXXX. My Debit card all of the sudden is not working/invalid. I am desperate for help because my wife, XXXX, also lost her XXXX funds last month XX/XX/year> ( complaint to CFPB filed today ). We have not found resolution yet for my wife 's case and now, I can not draw my own funds. I am old man XXXX XXXX XXXX, and I need the funds very badly or I will be evicted. I also need money to buy some XXXX not covered by insurance. 
I don't know how else to reach out to Direct express to talk to someone for assistance. We are calling multiple times, not sleeping just to call but no one answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: 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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Stated 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 2024-03-04 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:
I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
Through an LLC, I purchased an apartment building on XX/XX/XXXX and assumed the loan. The loan servicing was transferred a few times over the years, and we made timely payments. In XXXX, XXXX the loan and servicing were transferred. The loan was apparently transferred from XXXXXXXX XXXX XXXX XXXX XXXX and the servicing was transferred to Select Portfolio Servicing. I received a goodbye letter from XXXX XXXX ( former servicer ) indicating that Select Portfolio Servicing ( SPS ). The contact information on the goodbye letter was incorrect ( email address was rejected and the phone number was not valid ). I contacted SPS via their main number to confirm the transfer, however they did not recognize any of my information. Over the course of several hours of phone calls and emails, I determined that they had the original borrower 's information, but not mine. I supplied them with several documents to evidence my ownership and assumption of the loan ( including deed, purchase agreement, goodbye letter, last loan statement from prior servicer, tax and insurance invoices ). They promised on several occasions to get it fixed, but never once followed up. I have emails requesting answers, but no response. I have been calling in mortgage payments to keep the loan current, but have no evidence of where my loan stands. I have spent at least 10 hours on the phone, but I'm getting nowhere. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation