vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 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:
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 XXXXXXXX ), ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX I XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), ( 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 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 2023-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have XXXX student loans listed on my Transunion from XXXX XXXXXXXX XXXX that should have been updated based on my entry and completion of the student loan fresh start program. These student loan accounts have not been updated to reflect that these loans are currently out of default. The payment history for these loans is also incorrect. In addition, XXXXXXXX  XXXX XXXX is no longer operational as a student loan servicer. I tried to reach them directly, but the phone number XXXX is defunct. My compliant is that Transunion could not have conducted an investigation with an organization that is no longer functioning.

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 2023-02-08 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: TX

Complaint narrative:
Mohela, the federal servicer of loans eligible for Public Service Loan Forgiveness, appears to be purposefully and willfully misclassifying my application for PSLF. It is apparent that they are conducting business in a manner to exploit both borrowers and the federal government to maximize the interest collected on loans consolidated to them, as evidenced by thousands of similar publicly available complaints relating to what can only be willful ineptitude. 

I consolidated my loans prior to the XX/XX/2022 deadline, and submitted two employment verifications that covered a span of over 10 years. Despite communicating with them dozens of times, they still have not yet verified that two different local governments are eligible public sector entities. Additionally, they periodically send correspondence that states that 1 ) I have had no eligible employment, or 2 ) made no eligible payments, which I believe may be designed to dis-incentivize individuals seeking forgiveness.

The process for verifying eligibility should be simple, but Mohela is making it tremendously difficult, and is continually providing incorrect correspondence that could lead a person to believe they are not actually eligible when they indeed are. In some cases, Mohela staff state on the phone that they " need more time '' or to " give them another 90 days '' even after they have sent letters ( electronically ) that state " You have not yet made the required 120 qualifying payments necessary to be eligible for PSLF ''.

Mohela should be fully investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08 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: NJ

Complaint narrative:
I have been disputing this account for a few months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, XXXX XXXX compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand! 

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at XXXX because the credit bureaus obviously dont!

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 2023-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I am a victim of fraud and Identity theft. The dealership and agent ( XXXX XXXX XXXX XXXX XXXX ) who financed the loan took advantage of my Identity Theft issue putting me into a Predatory Loan, by falsifying documents and committed Bank fraud when my application was submitted. Violating 15 U.S. Code XXXX. Advertising of down payments and installments. No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 
They sold my old vehicle which had equity and taking down payment cost. The agent sold my identity, put me into financial hardship, and pocketed some of the Down payment cost that should have went towards the value of the vehicle. The agent was later fired because of his unlawful practices. I tried talking to the bank and dealership about this situation but keep getting the " run-around ''. 

Someone had supposed to had called me and discussed other repayment options, and never responded back. Instead, my car was put into repossession status, and charged off for the Original Loan Balance. it also appears non of the payments made towards the loan went towards my principal amount and the Original Loan balance still remains after making payments for nearly two years now, as I try to negotiate other options with the lender.

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 2023-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
On XX/XX/XXXX I refinanced my Mortgage from a XXXX yrs. Fixed rate to a XXXX Yrs. Fixed rate mortgage. At the time of refinance, my property appraised at a market price of {$370000.00}. 

After the refinance, I had a loan of {$320000.00} so I was at an 84.65 % loan to value. 
At closing, I signed a PMI disclosure stating if I made all my payment on time, I could request a PMI removal based on the projected loan to value calculations on XX/XX/XXXX which is after XXXX payments were made.. 

I recently requested the PMI removal from my lender Freedom Mortgage because I was well past the date of first removal opportunity. Freedom Mortgage decline to remove my PMI and stated they want me to pay for a Broker 's Price Opinion. I found that odd as I receive no less than XXXX call a week from Freedom Mortgage offering to lend me more money based on my increase in value. Apparently they are aware of my value but insist on charging me to prove what they already know. 
The county appraisal district shows my property " Market Value '' to be {$580000.00}, this is something that is public knowledge and easily available to my lender. 

My Lender is Freedom Mortgage and my loan number is 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 explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I keep getting calls from a XXXX number who calls themselves XXXX. I was accused of a debt owed and legal action that would be taken out against me. 
I requested information about the alleged debt, and was denied. 
I requested information about the company and what XXXX stood for and was denied. 

Rep Threatened to continue to call and harass when I asked for them to remove my name and number from the call list person responded " too bad Im going to continue to call '' Rep Threatened to take negative or legal action, person said legal papers will be filed

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 2023-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
Constant harassment through phone calls and letters after I asked them to stop contacting me now an attorney debt collector is threatening me. Defamation of character. 

Cavalry Portfolio Services  XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: IN

Complaint narrative:
According to the law USC 1681 and USC1681s2 my rights were violated.By law I have a right to privacy. 


XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: MOHELA
State: MD

Complaint narrative:
I was recently switched from XXXX serving to Mohela for my student loan serving department. Since this transition Ive had issues with getting my employment verified to complete my PSLF employment certification. I have submitted documents on multiple occasion and the documents tend to be mark as duplicates without reviewal even when they are new forms. All of the forms submitted have all my employment history to certify my payments but they are not being reviewed, therefore, I still have payments that state they require " employment certification ''. Which is incorrect because all the documentation needed has been submitted. I have contact the company on multiple occasion and they state the payment tracker is " behind '', however this is the same incident that occurred when I had to resubmit my paperwork and wait an addition 60 days for it to be review again. My forms were submitted in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and they all were marked duplicated without a thorough review. This situation is putting a hold on my PSLF employment requirement certification and therefore putting a hold on my forgiveness application. Additionally I submitted a request in XX/XX/XXXX and again in XX/XX/XXXX to have a payment refunded to me that was made in XXXX of XXXX that has still not been processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-08 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: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I purchased a vehicle through XXXX, in XX/XX/XXXX. The vehicle is financed through Bridgecrest Acceptance Corporation. On XX/XX/XXXX, they took possession of the vehicle due to the payment being XXXX days late. I sent in a payment of {$650.00} on XX/XX/XXXX, via XXXX in the form of a money order. I also reached out to the company to resolve the issue to new avail. Apparently, it is their company policy to put an order in for repossession if the payment is XXXX day past due, and being that this was a new account they were unwilling to work with me even though I had sent in the payment. 
This company has a habit a bad business practices and predatory lending. Their XXXX  rating is around XXXX and yet they are still allowed to be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I have two XXXX loans with XXXX XXXX worth {$4000.00} in total. I transferred and consolidated these loans into one consolidated loan with Aidvantage on XX/XX/XXXX. I continued to receive payment notifications from XXXX while also incurring late fees and interest. When I first contacted XXXX they said that they had not been paid by Aidvantage. I contacted Aidvantage and one of their agents told me that they did not successfully process the consolidation despite giving me forms that said that they had. On XX/XX/XXXX Aidvatage told me that they would resolve the issue within 30 days. When I contacted both companies on XX/XX/XXXX I was told nothing had changed. XXXX says that they have not been paid by Aidvantage and Aidvantage tells me that they have paid XXXX. Both accounts are still active. During my most recent call to Aidvantage, I was on hold for over an hour and told that multiple supervisors were reviewing my account. I was then told my call was being transferred to one. Five minutes later I was told their was an error transferring the call and that no supervisor was available to help. I was also told that one would call me back and that never happened either. I have contacted Federal Student Aid and told that FSA can not help and I have contacted the Ombudsman and they also told me that they can not help me. Both accounts are active and their is no resolution being offered or pursued by either company. They both tell me tat I owe them money for the same loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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