vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am in a process of divorce and was awarded the house but unfortunately, it was put on forbearance and now I'm facing foreclosure. I am not on the loan account but on the deed of the property. I started working with Wells Fargo back in XXXX of 2022 to do a loan modification or loan assumption and have been sending them every single piece of paperwork they required from me. Been in contact with them a couple of days a week and they made it sound like they are doing their job. Unfortunately, after months of sending paperwork after paperwork, on XX/XX/2022 they said they will not be able to help me and now I am facing foreclosure. 

During the time I was working with them, I applied to XXXX  Mortgage Assistance in XXXX and a representative from WF confirmed that at that time, the reinstatement amount was below $ XXXX but when XXXX  Mortgage Assistance asked WF to send the reinstatement amount, they sent {$79.00}, XXXX that automatically denied my application. I went to the office of TMA and called XXXX  regarding the amount and WF denied they submitted such an amount. I requested numerous times for WF to send me the itemized amount of what's owed and they never did. I have tried to do everything WF asked of me to save my house and now I am still facing foreclosure. I have found out that they have faced multiple lawsuits regarding their mortgage department and now I understand why. They put me in a loop every time I talk to them and nothing seems to get resolved. They make it sound like they're helping but every time I spoke with someone they have a different answer. I even asked for a higher-up and never got anywhere either.

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 2023-02-27 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: IN

Complaint narrative:
Employment verification forms were submitted in XX/XX/XXXX and was told it would take 90 days to process. These forms were improperly flagged as duplicate forms and not processed towards the end of the 90 days in XX/XX/XXXX. I called MOHELA to correct them and they put it back in processing but was told it would be another 90 days to process that form despite this being an error entirely on their part. I would like proper processing of my employment verification form and for my payment counts to reflect that the time period from XX/XX/XXXX to XX/XX/XXXX where I was in forbearance under a qualified employer- as promised under the limited waiver.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My debt for Federal financial aid has been paid as of XXXX XXXX, 2022. 
My credit continues to suffer and I am unable to qualify for a mortgage due to wrong information. 


XXXX was the servicing company that has confirmed the completion of the loan payment. However the loan is still present on all THREE reporting credit bureaus,

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 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion completely ignored several requests that I have made for them correct my name, address, telephone and employment for over a year. I have filed several disputes regarding this matter and nothing has changed. These inaccuracies are damaging to my personal credit file and it's hindering me from obtaining credit.

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 2023-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
A representative of Mosaic and XXXX XXXX came to my house and sold me a solar system in XX/XX/2022. The system was never activated and did not receive permission to operate from the utility and was not set up for inspection. I am now paying a mortgage on a non-existent solar system.

This is now in breach of contract. As Mosaic does not disburse funds to the contractor until there is permission to operate from the utility ( see attached contract ). 

XXXX XXXX has gone bankrupt and no longer exists. 

Ive attached the part of the contract that states there should be no payment until there is clearance to operate from the utility. 

The following is the portion of the contract that shows I should not be making payments, even though they are being drafted from my account monthly. 

The Loan Start Date is sublect to change. The Loan Start Date will be tinalized and accuratelv retlectec in the Loan Closing Certificate. which will be sent to You following our first disbursement of loan proceed : to Your Installation Contractor ( or sent directly to the equipment manufacturer if directed to do so by the Installation Contractor ). The Loan Closing Certificate is fully incorporated hereir The estimated Loan Start Date assumes the Contractor completes installation and the " Install Complete Disbursement '' is made within 180 days from the date of You are prequalified for a loan. The actual Loa Start Date will be the date that we first disburse loan proceeds to Your Contractor. That date will be showi on the Loan closing certiticate we send to You.

The estimated First Payment Date assumes You will begin making payments 3 months after the Loan Star Date. You mav actually begin making pavments on the earlier of 3 months after the Loan Start Date or 15 days after XXXX XXXX XXXX. its assignees. agents. representatives. or approved loan servicer : confirms Permission to Operate from Your utility company. Interest on this loan begins to accrue from the first disbursement and is calculated on the outstanding principa balance. as described in Section 3ic ). You can begin making pavments at anv time You choose after the Loan Start Date We may re-review Your application if it looks like the Loan Start Date will not occur within 180 days. This can happen if Your Contractor is not able to make sufficient progress during Your 180-day approval period for the Loan start Date to occur. If we re-review Your application. we will request a new credit report from the credit bureaus. to make sure that You continue to meet the requirements for loan approval. This may impact Your credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: PNC Bank N.A.
State: KY

Complaint narrative:
In XXXX of XXXX I reported fraud on my PNC bank Core Credit card account in the amount of {$60.00}. They canceled my card, credited my account back the same amount and issued a new credit card. However, they failed to report it to the credit reporting agencies. Now my credit reports is reflecting the canceled card as still open with a balance of {$1700.00}. I contacted PNC on XX/XX/XXXX and spoke with a customer service representative XXXX. I explained why I was calling regarding this and they are telling me I have to file a complaint with the credit reporting agencies. I also escalated this matter to a supervisor XXXX and she told me the same thing. It was sent to their escalations department and I was told it would take up to 48 hours to hear from them and may take another few weeks before they can issue a letter stating it was their error. I don't have the time to wait. 
I am trying to purchase a home and this is affecting my XXXX XXXX. I am a senior of soon to be XXXX and do not have the time to wait weeks and months to get a simple letter from them. 
Thank you for your attention to this matter, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I was let go by my previous employer, because of a XXXX XXXX XXXX XXXX that I disclosed upon hire, because their biggest life insurance carrier wouldn't access my appointment. ( although the other 2 carriers did ). I was out of work for 3 weeks, before taking a job with a former employer. In the beginning of XXXX, I called Freedom mortgage to request a 1 month payment deferral, and they refused saying they don't do that. On the phone I was told this several times by numerous agents over the course of this month. However, upon my 2nd request for payment help, I received a packet which was 27 pages long and listed options including a payment deferral. After receiving this packet, I called again asking for it, since I saw it in writing and they still refused to help. I asked to make partial payments in the middle of XXXX, but was told not possible. Towards the end of XXXX, I was told possible, but then was advised to check into a HELOC or 2nd mortgage, which I did, but was told would have to refinance, which would raise my interest at least a full point or 2, which was unacceptable, so I backed out.

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 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: GA

Complaint narrative:
I ordered a PayPal prepaid Mastercard, I opened the account in XXXX. I started receiving my unemployment benefits to the account in XX/XX/XXXX the benefits were direct deposits. The last date I had access to these direct deposits were XX/XX/XXXX. I had more payments direct deposited to the account in XX/XX/XXXX. These deposits in total were {$7000.00}. Theses deposits are the ones I'm trying to find and gain access to. The dates of these deposits are XX/XX/XXXX and XX/XX/XXXX. I have been trying to gain access to this account for two years. I've been working with Paypal prepaid Mastercard as well as Paypal and NetSpend who I've sent all my government documents to prove my identification. I can't remember the email address I used when I opened the account or the phone number or card number. I believe they should be able to locate my money with these documents. I haven't had any luck with these companies in hopes of getting any closer to obtaining my money. I've done everything they have asked me to do and still no account with my direct deposits have been found. I have went to my local unemployment office to try and obtain the account number the funds were deposited into to give to Paypal prepaid Mastercard and was told they don't give out account information even to the account member. I am trying to obtain these funds before they get sent into a unclaimed money account in my state. I'm having to pay taxes on this money and I never received it. I need help with this please help me. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: 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 1681. 

XXXX XXXX Account # XXXX, XXXX XXXX : Account # XXXX, XXXX  XXXX : Account # XXXX, XXXX  : Account # XXXX, XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX  : Account # XXXX, XXXX : Account # XXXX, XXXX XXXX  : Account # XXXX, has violated my rights.

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 2023-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
5 years ago, I purchased a XXXX XXXX with XXXX XXXX the loan was with American Credit acceptance for {$11000.00}. I've been making payments on the vehicle for about 3 and when I asked how much I still owe them I was told {$11000.00}. The ended taking back the vehicle. They called and harassed me at various hours of the morning, so I blocked the number and now another company is calling me called XXXX XXXX XXXX XXXX saying I owe them money. Each time they've called me they have threated to take my property and take money from my account. They've sent letters to my house, having people knocking on my door, and scaring my kids. I have no idea what these might do next. They've been lying about serving me papers about having me in court. I've never seen anyone but my kids because I'm not home. I am in Georgia trying to setup a business and I can't focus because of this company. My wife has calls me a few times and she is also worried about these people. I don't know what to do so I researched what to do and filed a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : XXXX, account number XXXX, which has been late payment. 
XXXX, account number XXXX, which has been late payment. 
XXXX XXXX, account number XXXX, which has been charge off account. 

I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA.

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts.

Cease any collection activity related to these accounts until the issues have been resolved.

Provide me with any documentation that supports your position on these accounts.

Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues.

I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian deleted the car hop account that was paid and left the one on saying it was a collection account stating that it was o instead of deleting this like all other credit bureaus and then they put the debt back under a regular late payment account to put the debt I don't owe back on my credit report and I'm getting tired and I am going to take legal action

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 2023-02-27 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: TX

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) Account XXXX XXXX XXXX, XXXX XXXX XXXX Account number : XXXX XXXX DEPTEDXXXX Account number : XXXX, DEPTEDXXXX  Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX OF XXXX TX XXXX  ) Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH

Complaint narrative:
We have had our mortgage sold twice in the last year and don't know why, because we have always made our payments on time. We had always paid our property taxes and insurance on our own. The previous lender added a monthly property tax escrow amount to our payment which we were able to manage. Then it was sold to the current lender and the escrow amount stayed the same until about four months ago when they increased it by almost double. I have communicated via phone, emails, messages on the website and have not gotten anywhere with them. They say the massive increase is to protect them from an increase in property tax. I could see a few extra dollars per month, but not double. The original amount of escrow gives them enough money to pay the taxes every six months with a little left over. We have continued to send them the original payment plus the original escrow amount and they refuse to post it as paid. Regardless of the escrow discrepancy, we are making our loan payment each month and they don't post it because the escrow is too low based on what they now want.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: EQUIFAX, INC.
State: MD

Complaint narrative:
It states that I have a closed account with XXXXXXXX XXXX from 2019 but this account was closed because it paid in full. Equifax is reporting incorrect information about this account and I would like for it to be removed as quickly as possible. This is effect my credit score. This account was paid in good standing and was not delinquent. I have a new account with the company that is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
By XX/XX/XXXX I have it on my account two balances a Loan ( flex Plan ) for XXXX ( 60 monthly payments ) Promotional Balance ( Purchases ) for XXXX at the moment to make the payment the system give me the folloqing option to pay " Option 2. This includes your monthly Flex Plan Payment Amount and the non-Flex Plan portion of your last statement balance, it does not include Flex Plan payments due in future months '' I selected that option and paid a total of XXXX, the payment was applied totally to the Flex Loan By XX/XX/XXXX I Made two purchases under the same option ( Flex ) One for XXXX and other for XXXX. ( both to 6 monthly payments ) I returning the XXXX purchase and instead to cancel that balance the returning balance was applied one more time to the higher amount with the longest payment period I has been charged for interest in all those errors I has call 4 times with an average of wating time over an hour. to get the last answer about to call my lawyers so this is my first step and i hope get your 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 monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
Finally spoke to someone around XXXX named XXXX XXXX in tax department. He said he would have answer for us based off of our mortgage going back to normal by XX/XX/10. The company said my taxes went up XXXX but they did not that illegal! They would do another escrow analysis to show that it was just a tax payment not paid from previous owners!!! And they will have it fixed by XX/XX/10! No answers with this place .. spoke to XXXX today in tax department and all of the sudden I dont have authority to speak to them even though my husband and father gave them authorization once and added me yo the account. You get nowhere with them! They just take your money and dont care! Horrible customer service!!

Company response to consumer: Closed with explanation