vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 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: MOHELA
State: CO

Complaint narrative:
Mohela automatically placed my loans on deferment due to being enrolled in XXXX credit hour. I requested the deferment be removed so that I could continue making payments to count toward my PSLF, submitting the form on XX/XX/XXXX. The form is still processing, as of XX/XX/XXXX. I called them and they said there is nothing they can do to speed up the process. I don't understand why I am in deferment based on XXXX credit hour of enrollment. I am also concerned about the amount of time it is taking them to respond. The longer it takes, the longer I will need to repay my loan for PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
I applied for a mortgage modification after a XXXX caused me to fall behind on my mortgage and I lost my job. Carrington Mortgage will not work with us to modify my loan.Has made me repeatedly send mortgage modifications applications in several times. Im still waiting for ssdi to approve or deny my claim but receive LTD from insurance I paid for. My monthly income is about {$4600.00} a month and they say my only option is something I tried to do over a year ago. Short-sale. It has taken 50 days to get an answer to my loan modification application, and it still hasnt been sent by mail. Ive been verbally notified and after calling and asking, I was emailed a copy of a letter never sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I realized the morning of XX/XX/2024 that a payment for {$3200.00} had been initiated out of my checking account to a XXXX XXXX XXXX account # ending in XXXX, XXXX Address is XXXX XXXX XXXX XXXX XXXX, IL XXXX in the name of XXXX XXXX. 

I did not set up nor authorize this payment. I immediately went to my local Wells Fargo and requested that this payment be stopped and a fraud investigation be started. Wells Fargo advised me that the payment was pending and that they could not do anything until it posted. The next day, the payment posted. I asked Wells Fargo again to stop the payment and investigate it. On XX/XX/2024 Wells Fargo sent me a letter telling me that they would not investigate the matter farther, that I had in fact initiated the payment. I then went back to Wells Fargo and asked about the transaction. They told me that it was indeed initiated by me from my " location ''. I asked what location that was and they said " my location '' and they were not going to investigate it any farther. The Wells Fargo employee also told me that they were not going to contact XXXX, nor were they going to assist me any farther. The employee at Wells Fargo that I have been dealing with is XXXX XXXX at the Wells Fargo, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I did not authorize nor request this payment to be made. As a result of this theft, I have not been able to pay my own personal bills and this has left me with a financial hardship. 

Wells Fargo close my account and issued a new checking account. The old account number is XXXX. I do have a new account number now. 

I have filed a Fraud/theft police case number XXXX with the XXXX XXXX Police Department XXXX XXXX, Records XXXX, Detectives XXXX. 

Even after filing the police report, Wells Fargo has said that they will not assist me in recovering my money.

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 2024-01-26 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: 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX  Account Name : XXXX  Account NumberXXXX 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 2024-01-26 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: NY

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. 
Account Name : XXXX XXXX XXXX Acct # XXXX Account Name : XXXX XXXX XXXX Acct # 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 an 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 ( s ) 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 accurate.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dear everyone XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Grow credit : WRONG PAYMENT HISTORY Grow credit : WRONG DATE OF LAST PAYMENT RECEIVE XXXX XXXX : WRONG COMMENT ON TRANSUNION SUPPOSE TO BE THE SAME AS XXXXXXXX Grow credit : ASKED FOR PAY DOCUMENTS & they sent charges TO THE ACCOUNT NOT MY PAYMENT SUCH AS BANK NAME OR ROUTING. This is a violation Grow credit : THIS ACCOUNT HAS BEEN RE-AGED 2 different DATES XXXX XXXXt : THIS ACCOUNT SAYS I HAVE A MONTHLY PAYMENT ON XXXX BUT NOTHING ON Trans union Grow credit : WRONG CREDIT LIMITS ON BOTH CREDIT BUREAUS Grow credit : Send payment from XXXX cause i have 2 dates on payment received should only be on last payment date & not charges to the account bank name or route number Grow credit : Payment history is invalid or incorrect/ inaccurate. XXXX + XXXX on transunion XXXX XXXX XXXX XXXX XXXX is reporting inaccurate on my credit report 90 days on transunion & 60 days on XXXX different worst payment different last reported & different last payment. No account type. Im sorry but this account inactive doesnt want to update please delete this account for frca rights XXXX XXXX XXXX  : 90 DAYS LATE ON XXXX & 60 DAYS LATE ON XXXX THIS ACCOUNT IS INACCURATE COMMENTS ARE WRONG ON XXXX & NO ACCOUNT TYPE ON XXXX BUT XXXX HAS IT & I ASKED FOR last PAYMENT & THEY SENT ME CHARGES NOT MY BANK INFORMATION OR ROUTE NUMBER DEBT NUMBER SOMETHING NOT NO CHARGES BUT THIS ACCOUNT CONNOT BE VERIFIED TRANSUNION HAS NOT UPDATED ANY ACCOUNT I PROVIDED & that A VIOLATION PLEASE UPDATE THESE ACCOUNTS COMMENTS OR REMARKS Please delete both account due to incorrect inactivity inaccurate information I just want these accounts deleted

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 2024-01-26 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX 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 2024-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Freedom Mortgage reacquired my loan in XXXX of XXXX ( they had sold it and repurchased a few years later ). I had the same insurance policy since I purchased the home in XXXX of XXXX. When Freedom bought my mortgage they failed to pay the insurance and no one, XXXX or Freedom Mortgage, informed me. Freedom claims they sent me letters but nothing was ever received by me as I informed them multiple times. This is also a a recurring complaint against Freedom Mortgage of failure to pay insurance or notifying home owners. As soon as I was finally made aware ( by the increase in nearly {$6000.00} a year in escrow expense on my monthly bill ) I called them got the information and got new insurance within the week. Despite this, I'm still being charged roughly {$2500.00} more a year in escrow for insurance that was cheaper than my original insurance that they failed to pay. I've requested it be remedied on numerous occasions and even turned autopay off recently while they were supposed to investigate and get back with me. Despite them still blaming me for their failure to pay my insurance, which no other mortgage company has had an issue with ( my mortgage has been sold about 8 times since XXXX ), they've failed to respond timely, respond at all, or correct the issue. On top of that, after speaking with someone today from Freedom regarding the hit they put on my credit for late payment, they informed me that they themselves had received cancellation notice from XXXX regarding my insurance ( she said this twice even after backtracking it after the first time ), but at the same time claim to have no record of the insurance due.

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 2024-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to dispute the validity of the debt referenced in a notice I recently received. My understanding is that the name in your notice, written in all capital letters, does not represent me as an individual. Instead, it represents a separate legal entity of which I am the beneficiary. Consequently, I am requesting a comprehensive investigation into this matter. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request debt validation. I kindly ask you to provide the following : 1. A copy of the original contract with my signature. 2. A detailed account of the debt you claim I owe. 3. Proof that you are licensed to collect debts in my state. Please suspend all collection activities until this debt is validated. Also, as this account has been reported to credit reporting agencies, I ask you to remove it immediately due to its dubious nature. If you do not provide these documents within 15 days of receiving this letter, I will expect the account to be removed from my credit report and no further attempts to collect this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: AR

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account NumberXXXX 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 2024-01-26 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: CO

Complaint narrative:
Im begging you please remove this to the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: NY

Complaint narrative:
The XXXX XXXX XXXX had to replaced four different times in 2023, due to fraudulent activity three of those times and once when one of the credit unions, XXXX, incorrectly reported one of the new accounts as fraudulently opened. I've had the fourth and final replacemement card and account since XXXX and it's now late XXXX, and the credit line of {$9800.00} has still not been added back in to my total available credit and factored into my average credit age, which would increase it about six months as it's my third oldest account that I've had for fouteen and a half years. XXXX and Equifax still are reporting transactionsnand different closing balances each month, so how could the account possibly be closed if this is happening? XXXX doesn't appear to even have the card at all on their report. The statement for the account has closed four or five times since I received the fourth and final replacement card and account number in XXXX, so it's now been in excess of 120 days, let alone 30 or 90. I've spoken to XXXX XXXX, who issues this credit card on at least two ocassions in the past month or two, and they said that they are reporting it correctly and asked the credit bureaus to correct the account status on their reports. My complaint isn't with XXXX XXXX, it's with all three of the creit bureaus for still having it as a closed status, which is wrong, especially when they also report transactions and different closong balances each month, or not having it on its report at all in the case of XXXX, when i've had the most recent replacement card and account number more than four months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

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

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: AR

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX 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 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I opened a small business account with Bank of America in the XXXX  of XXXX and closed that account in the XXXX  of XXXX. There was a refund to that account after it closed. Bank of America sent me a check for the balance but made it out to my now closed business. Bank of America refuses to cash their own check. Bank of America has allowed deposits to this account in my name and my business name, since my name and the name of my now closed business are on the account. I've asked Bank of America to take the check back and reissue a check to me personally. Bank of America has refused to move forward in any way. As far as I'm concerned, this stealing. Any assistance in this matter will be greatly appreciated. 
Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I sent letters to each credit credit bureaus ( XXXX, Equifax, XXXX ) with a notarized copy of my ID, Social Security Card, Bank Statement, and all updated personal information. I requested that my Credit Report be updated, to reflect accurate personal information. Also, that each Credit Bureau Delete any erroneous addresses, and listed jobs. Each letter was sent Certified Mail on : XX/XX/year> Tracking Number for Each Letter : XXXX, XXXX, XXXX, I just recently checked my Newest Credit Report, no corrections have been made in the 30 days allotted tho the Credit Bureaus, nor has any contact been made

Company response to consumer: Closed with non-monetary relief