vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 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: CT

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.

has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-01-08 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: VA

Complaint narrative:
I Have been a victim of identity theft I contacted Equifax and XXXX about these accounts : 1- XXXX XXXX XXXX opened XXXX/XXXXXXXX  balance {$19000.00} 2- XXXX XXXX XXXX opened XX/XX/XXXXXXXX  balance {$870.00} 3- Hard inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have informed them that these account are fraudulent and I didn't open them I have sent in a copy of my DL and SS card per there request as well as a copy of police reports that proves I didn't open these accounts I have asked for these account to be removed from my report. and nothing happens and they keep making me send in my id every time I call and the issue has not been fixed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NJ

Complaint narrative:
My federal student loan was officially forgiven on XX/XX/23. Mohela reported on XX/XX/23 that I have student loans on my credit reports which showed up today. 

I called today and spoke to a Mohela representative at XXXX XXXX. They have me on administrative forbearance and have not yet completed my forgiveness. They claim it is on the US Department of Education as the hold up. 

I then chatted online with studentaid.gov at XXXX XXXX  about the reason why my loan has not been processed. My transcript is here : Hi, my name is XXXX. I am reviewing your question and will help you momentarily. 
XXXX thank you XXXX XXXX  That is not something that the website would approve, that would be something that would be approved by the US Department of Education. 
XXXX XXXX XXXX  so what does that mean? 
my loan amount is {$0.00} on my dashboard That you would need to wait for the approval of the loan forgiveness from your loan servicer. 
XXXX the loan servicer says they are waiting on you XXXX XXXX  I have a letter from my servicer saying my loans are forgiven XXXX XXXX  Okay are they showing that they are forgiven on their website? 
XXXX XXXX XXXX  I have all XXXX, except for my loan status being in administrative forebearance XXXX XXXX  Mohela said they are waiting on you so they can finish the processing XXXX XXXX  That is something that your loan servicer would handle. 
XXXX XXXX  I just spoke with them and they said it is you. 
Your loan servicer would have to release that forbearance. 
XXXX XXXX If I do not get a resolution to this I will be contacting the Federal Trade Commission Bureau of Consumer Protection and my Senator and Congressman. This needs to be resolved and no one knows an answer. 
XXXX XXXX  That is fine if you feel that you need to do that, I have advised that your loan servicer is the one that would handle that loan forgiveness for you. 
XXXX Ok. Thank you for the information.

Please advise what I do to resolve this issue. 

Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
Aidvantage, has not allowed me to make a payment for the last XXXX   XXXX  - i have diligently paid my due amount and receive a confirmation XXXX stating a payment has been scheduled, just to find out XXXX  later the company has reversed the payment without explanation. I am making payments from the same and only account i've ever used for this payment XXXX XXXX XXXX, never had an issue with this until recently. 

I have tried to get ahold of them but each time i call, i am on hold for XXXX XXXX or more without anyone assisting me. It should not be this difficult to accept a payment from borrowers, or simply have enough customer service reps available. 

After a brief online search, it seems there are XXXX  others experiencing the same difficulties with this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: GA

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.

has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: M&T BANK CORPORATION
State: AL

Complaint narrative:
After stating in their previous response ( XXXX ) they were not trying to take my home, I just received a statement for {$71000.00} due in a little over 30 days. 

This complaint is concerning M & T Bank aka XXXX XXXX XXXX requiring a mortgage payment of {$71000.00} in just a little of 30 days, XX/XX/XXXX. 

I built my home in XXXX on XXXX lots in XXXX Al. The XXXX failed to merge all XXXX and only merged XXXX. Once I turned XXXX XXXX XXXX I was no longer required to pay property tax. Because these lots were not properly merged, XXXX XXXX via his attorney XXXX XXXX paid the property taxes, then demanded that I leave my home and claimed he owned it. 

I went to court to dispute this claim. During the course of this case ( XXXX in the Circuit Court XXXX XXXX XXXX , Alabama ) I met XXXX XXXX who represented M & T aka XXXX XXXX since they had an active mortgage on the home and would take a loss as well if this gentleman were to take the home. I was advised that it would be in the best interest of the bank and me, if he combined the case and represented us both. I agree. He said not to worry about any fees. Now, I am receiving notice from M & T that I owe a corporate advance in the amount of {$71000.00} for the attorney fees. My principal balance is {$15000.00} and my monthly payments are {$550.00}. Now, I am fearful of losing my home because I can't make a payment of XXXX XXXXXXXX. I previously filed a complaint with the CFPB when they increased my monthly mortgage to over {$1700.00} per month. I explained I am on a fixed income and did not agree to any of these charges. They reduced the payments back to {$550.00} for a few months and now sending this statement. I have attached the statement below for your review as well as the CFPB response provided by M & T to this issue. Please Help! 
I previously received a letter from XXXX XXXX who also mentioned he may or may not respond. This is clearly abuse. How can I make a XXXX XXXXXXXX payment for charges I never agreed to. Additionally, the attorney advised that M & T dropped the ball in the original loan documents that would prevent something like this from happening. Because of this case, they amended their mortgage loan language to prevent someone from attempting to acquire a property they have a mortgage on via taxes. Now, they are trying to force me to pay for their mistake. I am trying to seek an attorney or legal help but as stated before I am on a fixed income and XXXX XXXX XXXX. This is incredible stressful. I hope someone at the CFPB will actually read this and help.

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 2024-01-08 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: Early Warning Services, LLC
State: OH

Complaint narrative:
My consumer file is being shared without consent. Inaccurate information is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: Nelnet, Inc.
State: KY

Complaint narrative:
NelNet : Multiple times I have been put in an administrative forbearance for XXXX  my student loans, only XXXX  of my loans have been switched to the SAVE plan, but the most expensive loans are on graduated repayment. I just want them to fix this as I have heard nothing from them and do not feel like being on hold for XXXX XXXX  like I was XXXX  time. It's been XXXX  dealing with this and they still haven't fixed it. Someone please help me so I can actually start paying my loans on a plan that is completely within my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: EdFinancial Services
State: MA

Complaint narrative:
In XXXX XXXXXXXX, as student loan payments were to resume, I created an account with EdFinancial - my newly designated student loan servicer. I enrolled in AutoPay through the EdFinancial login providing my checking account information. In my checking account, I see withdrawals for the designated amount in XXXX, XXXX, and XXXX of XXXX. However, logging into my EdFinancial account I do not see these payments being attributed to my loan account. On XX/XX/XXXX I contacted EdFinancial customer support via chat to hopefully resolve this issue. After confirming my identifying information and identifying the issue, the agent 's response was to submit a request to have this issue researched. The agent also requested I submit proof of the transactions in the " Inbox '' of my EdFinancial account. The agent was unable to provide a reference or ID number for this request. The agent was unable to provide a copy of the chat transcript or reference/ID number. The agent was unable to provide identifying name or title for an escalation point. The agent did confirm that delinquency would be reported to the major credit bureaus when the account became 90 days delinquent, and that the account was 16 days from the 90 day point. 

In questioning how my XX/XX/XXXX loan payment should be handled, the agent suggested I enroll in XXXX for a XXXX rate reduction ( I am already enrolled ). This makes me question if the rate being charged to my loan reflects the rate of being enrolled. 

I am beyond frustrated. If I wasn't paying, they would be bothering me to no end to get their money. They have my money and it is all fine and dandy to just not credit the account, not apply the correct interest rate, and not accurately report to the credit bureaus. This should NOT be acceptable and there should be recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This letter is being sent to you in response to illegal findings and violations found within Claimants account with your company. Be advised that your claim is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act 15 U.S.C 1692, The Fair Credit Billing Act ( FCBA ), and the Truth In Lending Act 15 U.S.C 1601 all of which work in conjunction with each other. It is not now, nor has it ever been my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith with the request for validation and return it to me within thirty ( 30 ) days of receipt of this letter.

This is not a request for verification or proof of claimant mailing address but, a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named title and sections. I respectfully request that your offices provide claimant with competent evidence Declaration and proof of claim that Claimant has any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communications. No phone calls to the Claimant.

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 2024-01-08 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:
This letter is being sent to you in response to illegal findings and violations found within Claimants account with your company. Be advised that your claim is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act 15 U.S.C 1692, The Fair Credit Billing Act ( FCBA ), and the Truth In Lending Act 15 U.S.C 1601 all of which work in conjunction with each other. It is not now, nor has it ever been my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith with the request for validation and return it to me within thirty ( 30 ) days of receipt of this letter.

This is not a request for verification or proof of claimant mailing address but, a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named title and sections. I respectfully request that your offices provide claimant with competent evidence Declaration and proof of claim that Claimant has any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communications. No phone calls to the Claimant.

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 2024-01-08 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: MS

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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2024-01-08 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: MS

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.

has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hillcrest Davidson & Associates
State: IL

Complaint narrative:
I received a letter dated XXXX from Hillcrest, Davidson and Associates. 
This letter demanded XXXX from me stating that I owed XXXX XXXX XXXX for the remainder of a contract. This is patently false. 

1. I have NEVER contracted with XXXX home security 2. The owner of the contract was listed as XXXX XXXX XXXX XXXX where I served as the pastor. I left that job in 2000. 
3. I have lived in XXXX IL for almost 19 years 4. I called the company on XXXX The associate was threatening. He told me that if I didn't pay it, " go ahead and enjoy your life with your credit score destroyed! ' 5. After being threatened by this unruly person, I called XXXX home security where I spoke with XXXX in billing. After much consultation he assures me that there is no outstanding money that I owe. He could not even find an account with my personal info. He even suggested that this may be a scammer trying to extort money from me. 
5. I call Hillcrest again only to be demeaned and the the man hung up This is wrong, unethical and perhaps illegal These companies need to know that they are not the financial mafia

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: CT

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.

has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-01-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to file a formal complaint against Capital One regarding significant inconsistencies and inaccuracies in the reporting of an account on my credit reports. Despite my repeated attempts to rectify these errors with both the credit bureaus and Capital One, the discrepancies persist. The account details, as reported by XXXX, XXXX, and XXXX, exhibit discrepancies and incomplete information that remain unresolved. The account in question is outlined below : - Both XXXX and XXXX report this account was " paid as agreed, '' whereas XXXX states it as Current account/was delinquent XXXX days past due date. 
- XXXX and XXXX indicate the worst delinquency as XXXX days past due, whereas XXXX states it as XXXX  days delinquent. 
- XXXX reports the date closed as XX/XX/2023, XXXX as XX/XX/2023, and XXXX does not provide a date closed. 
- There are inconsistencies in the payment history, with several months showing no data. 

Attached is a copy of the account details from my credit reports, illustrating these inconsistencies.

Company response to consumer: Closed with explanation