vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Selene Holdings LLC
State: MD

Complaint narrative:
In XX/XX/XXXX I starting working with the XXXX XXXX XXXX for assistance with my mortgager. For several months my mortgage servicer XXXX gave me the run around. After months of finally getting them to work with me to get a loan modification for me to be approved for the funding from the XXXX XXXX they agreed after months of trying. They gave me a trial loan modification plan for 3 months with me paying {$3100.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I made all of the payments in XX/XX/XXXX the XXXX XXXX  paid my mortgage company {$40000.00} on my behalf. With this being paid Selene Finance agreed to provide me a loan modification. It is now XX/XX/XXXX to date I do not have my final loan modification nor will any of XXXX represetatives accept my payments, I have been blocked from payiny my payments on line. I place calls every XXXX weeks to XXXX only to be told that they are not finihsed with my documents and I should make the trial payments. How can I make even the stated or trial payments if no one will accept my payments. Also I have XXXX different payment amounts. Before the trial loan modiciation my payments was {$2700.00}, the trial payments was {$3100.00} and now the mortgage statements on line the payments change in XXXX to {$2900.00} without any notice to me. Also they still have me owning over {$60000.00} after receiving the {$40000.00} from the XXXX XXXX  that is still unapplied. I am a victum of predatory lending. I have contacted them on several occasions and they are still not honoring their part. Also I have asked who actually hold my mortgage the response is that it is a private lender and they can not give me the person and or company. They are continuning to wait until the interest rates escalate before granting me the final loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: VA

Complaint narrative:
I have no knowledge of these accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these alleged debts are reported as a chargeoff collectionon my XXXX, Experian and XXXX XXXX XXXX which is negatively affecting my ability to obtain 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 explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: UPGRADE, INC.
State: NC

Complaint narrative:
I am a consumer living on a low income and am also the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. While undergoing the lengthy process of helping my daughter be approved for XXXXXXXX XXXX I applied to Upgrade to help me meet increased expenses. The company had a good review on several trustworthy sites. 

On XXXXXXXX XXXX XXXX in order to try to reduce my interest and catch up on payments, I enrolled in XXXX XXXX XXXX XXXX XXXX XXXX to help me to try to reduce my interest rate and set a reasonable amount for me to pay. The company accepted enrollment, but I do not see that the company included the payments made by XXXX, XXXX made on my behalf in my payment history. Also, the company has repeatedly billed me for payment amounts in excess of what was agreed upon with XXXX, XXXX. 

I did attempt to try to resolve the issue by filling out a complaint with the Better Business Bureau. The company responded that my payment history was available on their website. 

The information on their website is difficult to follow and only includes payments for that month, forcing me to have to undergo a time-consuming process of scrolling month by month to see what I have paid. 

I would like to have a history of all payments that I have paid to the company, including all of the payments made by XXXX, XXXX on my behalf, to be mailed to me. I should not be required to view this information on their website. 

I believe that my request is reasonable and would be accommodated by a company that is interested in meeting the needs of the consumer. I no longer trust the business practices of Upgrade.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc.
State: IL

Complaint narrative:
Trying to get the funds that were loaded onto my card from the IRS. I got my tax return direct deposited to this card and have been unable to get the money deposited in my account. Was told numerous times it was flagged among other issues. Now they told me the money is in my account but for some reason it isnt being released to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
The debt is for {$11000.00} it was in my father name I was added on the lease and he passed away and my lease already ended

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: OR

Complaint narrative:
Hello, I have been trying to reach Nelnet forever to contact them that I want to be placed on the XXXX plan and not defaulting to the XXXX plan as they have been doing to everyone else. For the majority of us with grad school loans, we are navigating buying a house, raising kids, and finally earning some income to get us out of debt. The high interest payments are simply not making things economical to survive, adding along the XXXX % inflation that has accounted in our fuel, food and basic living expenses that the PCE continues to leave off. 

Please help us navigate and request further delays because Nelnet is not equipped to handle processing these loans properly and is misleading people into the worst options for themselves. 

You can find on reddit multiple threads about people complaining of Nelnet 's embarrassing practices and working towards delaying and preventing any form of help : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send some authorities to ensure that Nelnet is operating within the consumers XXXX rights because it is apparent they are not. 

Signed another distressed citizen, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANKMOBILE TECHNOLOGIES, INC
State: KY

Complaint narrative:
I was instructed that the email and phone is not correct. I was instructed to send in a form to update it. I sent form in with tracking and proof of receipt. The bank failed to update the information. They are withholding my funds and have no way I can access them. They are all digital so I dont even have an option to go to a XXXX XXXX XXXX store. I just want to access my account.

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
When I recently pulled my three credit reports, nearly all of my credit history is completely missing. There are only 4-5 somewhat recent accounts and everything else in all three reports is absent going back to approximately XXXX, when I turned XXXX. 

The addresses associated with where I have lived also have problems dating back to approximately XXXX. The addresses are mostly correct, however, there are duplicate addresses which are listed as single family residences when the address is an apartment complex. 

Also, the name they have listed is not my given birth name. They have my name as " XXXX XXXX XXXX '' when my actual birth name is " XXXX XXXX XXXX XXXX '' All three credit reports are attached

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 2023-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
what is the pay off figure, the reinstatement amount and the accelerated amount due

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: Continental Finance Company, LLC
State: MS

Complaint narrative:
i want these hard inquires removed because i did not authorize these compainies to run my credit, that is fraudulent.

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/XXXX I requested Equifax to provide proof of a bankruptcy on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: EQUIFAX, 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.

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 2023-10-14 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: MD

Complaint narrative:
I submitted dispute letter demanding an investigation into inaccuracies on my credit report on XXXX XXXX XXXX XXXX XXXX XXXX I received a stall letter via email from Transunion stating that they did not know if it was me that sent my original dispute letter, even though it was sent with proof of identity. Per the letter, I called Transunion on XX/XX/XXXX and the representative XXXX tried to convince me that I needed to instead do it either online or over the phone with him. He stated that if I did not do it in this way than there was nothing that he could help me with, even after I told him that my letter dispute letter was in fact sent with proof of identity. This is a compete violation of my rights. I have sent out ANOTHER letter with proof of identity AGAIN stating that Transunion is reporting inaccurate information and needs to reinstate the investigation request and get back to me within 15 days being that they have ALREADY ignored my first letter and that I will file a complaint.

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 2023-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
**Their investigation did not fix an error on your report

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I submitted a dispute letter demanding an investigation into inaccuracies on my credit report on XX/XX/2023 ( attached ) and have yet to hear back from Equifax as of XX/XX/XXXX via mail or any other form of communication with the status of the dispute and updated report. I have sent out ANOTHER letter with proof of identity AGAIN stating that Equifax is going into a 30 day noncompliance by law by not responding and is reporting inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX XXXX 3 international wire transfers posted to my checking account with Chase bank. One for {$5000.00} and two for {$10000.00} totaling {$25000.00}. I immediately contacted Chase bank to report the transactions as unauthorized fraud. I had previously experienced fraud on my account and had notified Chase. That bank account was closed and a new account was opened. The new account is the one in question here. Chase was unable to recover the funds and denied my fraud claim leaving me wiped out. I began litigation against Chase bank for negligence, however my lawyer advised me that the federal regulations did not protect wire transfers. I have recently heard of many other cases of wire transfer fraud greatly impacting consumers and am appealing to the CFPB to step in and hold banks accountable for their negligence. Thank you, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
Our Complaint ID is XXXX. 
We are asking you to send us the Company 's response. 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 2023-10-14 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: IL

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.

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 explanation
Consumer complaint received 2023-10-14 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: NY

Complaint narrative:
Om my experian credit report theirs is negative item called XXXX XXXX its a fraud account I filed a federal trade commission identity theft report on file

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In accordance with the fair credit reporting act, I've sent several disputes on a hard inquiry that is being furnished on my credit report. XXXX XXXX XXXX. This information being reported is inaccurate and has violated my rights. 
Under 15 usc 1681s2, you can not furnish information knowingly inaccurate.

15 usc 1681b2, I must give written consent to furnish which I never did. 
This is not tied to any open account and being reported incorrect.

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 2023-10-14 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: EQUIFAX, INC.
State: IL

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.

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 non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In accordance with the fair credit reporting act, I've sent several disputes on a hard inquiry that is being furnished on my credit report. XXXX XXXX XXXX This information being reported is inaccurate and has violated my rights. 
Under 15 usc 1681s2, you can not furnish information knowingly inaccurate.

15 usc 1681b2, I must give written consent to furnish which I never did.

This is not tied to any open account and being reported incorrect.

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2023 Capitol One opened an account and pulled a hard inquiry on my credit report without my knowledge and or consent. 

On XX/XX/2023 Capitol One opened another account and pulled an additional hard inquiry on my credit report without my knowledge and or consent. 

I have been a victim of fraud and requested to set a fraud alert on my credit report good for one year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 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: LEXISNEXIS
State: IL

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.

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