vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-12 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: MO

Complaint narrative:
The three reporting agencies ( XXXX, equifax and XXXX XXXX have reporting a bankruptcy in error. They are you a company ( XXXX XXXX ) to verify the information thru public records. This is against the verification rules. Public records can not be verified or checked for errors. The US bankruptcy courts provided me with a letter stating they do not verify nor provide any information regarding court proceedings. Therefore the agencies can't properly verify the information in credit report. By doing so the are violating federal law and XXXX rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: MO

Complaint narrative:
The three reporting agencies ( experian, XXXX and XXXX XXXX have reporting a bankruptcy in error. They are you a company ( XXXX XXXX ) to verify the information thru public records. This is against the verification rules. Public records can not be verified or checked for errors. The US bankruptcy courts provided me with a letter stating they do not verify nor provide any information regarding court proceedings. Therefore the agencies can't properly verify the information in credit report. By doing so the are violating federal law and XXXX rules.

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 2021-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-12-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
There is a small amount at issue here, but the company is using deceptive sales practices that need to be addressed. Synchrony Car Care has an arrangement with the mechanic that I use to provide 0 % financing for 12 months on expenses large enough to qualify -- I believe {$500.00}. Any amount below that does not qualify for 0 % interest. 

When I make purchases below the threshold amount, a statement shows a consolidated balance of the promotional 0 % plus the smaller purchase. Synchrony than applies payments in such a way that a portion goes to the non 0 % charge and a portion goes to the promotional charge. This results in a minimum interest fee of at least {$2.00}. It has been repeated practice, and I've brought it to their attention several times. In the past, they have fixed the allocation and reversed the fee. Today, it was not until I threatened to make this complaint that Synchrony was willing to reverse this charge. 

Although this has cost me no money, if this is standard practice, they are regularly subjecting their customer to fees that are improper, and I hope that the CFPB can take steps to reverse these fees and stop this practice for all customers.

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 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Pursuant 15 USC 1681b ( 2 ) - permissible purposes of a consumer report, I never gave any consumer reporting agency any written consent to report XXXX XXXX or XXXX XXXX on my consumer report. No consent is identity theft. Both XXXX and Equifax are in violation of my consumer rights according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: AL

Complaint narrative:
I contend that the original loan ( which was {$5000.00}. ) amount has been paid. However the loan was consolidated and interest accumulated. On XX/XX/XXXX the principal balance according to MOHELA was {$22000.00}. I have made payments from that date until XX/XX/XXXX totaling over {$10000.00} but yet the principal balance on XX/XX/XXXX is {$22000.00}. How is that possible? So none of my payments have effected the principal balance in 5 years? How is that fair? Also, during the Coivd19 grace period on MOHELA 's website it states " During this time no interest is accruing and no payment will be due before XX/XX/XXXX ''. I checked my account and interest has accrued in the amount of {$3400.00} for a total payoff amount of {$26000.00}. So if I could payoff my account on or before XX/XX/XXXX that would be the payoff amount? What happen to NO interest accruing during the pandemic grace period? I am not a teacher, nor do I work in the public service sector, nor am I total and permanently disabled. Is there no remedy for other workers trying to pay off their student loan? How can I get the principal balance reduced on my student loan?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: GA

Complaint narrative:
My loan was sold/transferred in XXXX. I wrote the new service company in XXXX explaining my property tax bill arrived and was due in XXXX. I emailed them the bill as instructed. I did this several times. I kept getting " we'll get to your email soon '' messages, but this dragged out for months. Several times I got emails that said, " This letter is in reference to your inquiry regarding your taxes received on XX/XX/2021. Please know that we are diligently working to provide a resolution and will send a follow up soon. We appreciate your business. '' Soon never came. I finally called a couple of times and after insisting my problem get addressed, I was transferred to XXXX XXXX. I gave XXXX all my information and was told the bill would get paid. That was on XX/XX/XXXX and the bill was due XX/XX/XXXX. My property tax bill was paid LATE and I got hit with {$19.00} interest fees for being late. I followed up and was told " I have opened a request for this to be paid. The fees will not be charged to your account. I will keep you posted as to when this has been paid. '' Yet a month later, nothing was paid. I finally paid it myself because it's clear this agency is completely incompetent. But I want my money back for their mistake. I also want service that doesn't take 2 months to get a reply to questions. Ideally, they could sell my loan and just annoy the other customers they have. I doubt they'll change and actually start helping customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
As of XX/XX/2021 Shellpoint Mortgage Services shows my prior mortgage account delinquent 30 and 60 days for XXXX and XXXX XXXX XXXX After review of the records with Shellpoint Agents, it has been determined that the payments were made from XX/XX/2021 through XX/XX/2021, the house being sold XX/XX/2021, but the system recognized them as prior payments from Covid forbearance period and did not count them appropriately to the month they were submitted. I was in contact with a representative from your company, XXXX XXXX with the loss mitigation department at the end of XX/XX/2021. I was doing the steps for loan modification. In the second week of XX/XX/2021, I received the documents and she gave me the number for the mobile notary contractor. When I called to get the notary scheduled they stated they did not have an order number. I called XXXX XXXX and informed her. She stated she would get the number processed within a day or two. At the end of the week I still had no number and could not schedule with your contractor. I attempted to contact XXXX XXXX again and the contact number was no longer active. By the time all of this had transpired the sale of my house had closed. I formally request the derogatory remarks be removed from my credit report as I made every attempt to complete the required steps upon exiting Covid forbearance. Your agent hindered the processing of the loan modification, yet I am being penalized for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: LA

Complaint narrative:
I have submitted my medical insurance on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: SD

Complaint narrative:
I re-applied for my income based loan program and linked to the IRS. The link was successful. Now, my interest was capitalized and the program was not applied. I do not belive it is my responsibility to manage the technology of NelNet, and if the link didn't work, they should take steps to rectify. I will call them again, however, the customer service usually provides incorrect information. Last time, the reapplied my payment incorrectly, causing a " late '' payment and the loss of a .25 % interest rate reduction. This company is dishonest and is taking advantage of borrowers just trying to make ends meet and pay off student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: CT

Complaint narrative:
Given that the moratorium on student loan payments is about to expire, I've tried to contact my servicer ( Myfedloan ) several times to figure out my payment amount and recertify my income. I sent a message on the portal XX/XX/21 to no response. I've contacted them via telephone twice, waited on hold for XXXX minutes, finally gave up and selected the " receive a call back from us without losing your place in line '' and never got a call back. I just want to know how much I'm going to be paying come XXXX. 

As a side note, they've also recalculated my PSLF payments wrong and added an extra year onto the number of payments I owe. I've tried to correct this on several occasions, but no one can seem to figure it out and I've just accepted at this point that I'll likely be making 11 years of payments for forgiveness because I can't get any help on straightening this issue out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX Balance {$83.00} XXXX  Inquired on XX/XX/2020 XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mandarich Law Group, LLP
State: IL

Complaint narrative:
I have reached out to XXXX XXXX XXXX XXXX and Mandarich Group and requested information in which I have not gotten a response. XXXX XXXX XXXX XXXX and Mandarich Group is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation
State: WI

Complaint narrative:
World Finance Corporation has been reporting inaccurate information since XX/XX/XXXX. All three credit bureaus has different delinquency dates. XXXX shows on record until XX/XX/XXXX. I made a payment in XX/XX/XXXX. Matter of fact, payment history has paid on time dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX shows the date of first delinquency XX/XX/XXXX. Also, it shows date of last payment XX/XX/XXXX, however ; XXXX report I made on time payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX shows estimated month and year that this item will be removed : XX/XX/XXXX. 

On XX/XX/XXXX I sent World Finance Corporation a letter telling them about the inaccuracies and they did not make any changes. On XX/XX/XXXX, they sent a letter and in the letter it said, '' We furnish all credit information fully and accurately to the credit reporting agencies and accordingly, we will not grant your request to remove accurate data. '' They have reported my credit history incorrectly per documents and their reporting. 

The account was originally a ten month loan for {$770.00}. The payment was {$77.00} a month. World Finance Corporation report {$610.00}. That indicates I have made two payments, however ; they report that I made on time payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That is XXXX payments which should show {$460.00} since World Finance Corporation sternly put all credit information fully and accurately after being told information was inaccurate. The interest that is added is in question due to the blatant inaccuracies and the refusal to amend inaccurate information after being told. 
I have disputed with the credit bureaus XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX about these inaccuracies with proof and it all came back verified as correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$0.00} XXXX Inquired on XX/XX/2020 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 non-monetary relief
Consumer complaint received 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00}

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 2021-12-12 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: SC

Complaint narrative:
XX/XX/2021, Transunion. I disputed a XXXX  account. The Date Opened was inaccurate on my Transunion credit report date on the top right, date issued : XX/XX/2021 When I disputed this inaccurate reporting I told Transunion to DELETE the XXXX account due to inaccurate report. I received investigation results of my credit report, date issued XX/XX/2021. Transunion DID NOT DELETE the account. Transunion updated the XXXX account. That is a violation of the FAIR CREDIT REPORTING ACT 15 U.S code 1681. I have attached my Transunion credit report and the dates are highlighted. THIS IS A CLEARLY VIOLATION AND THIS INACCURATE REPORTING WAS NOT INVESTIGATED CORRECTLY. DELETE THE TBOM/FORTIVA ACCOUNT. Documents 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 2021-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: GUARANTEED RATE INC.
State: WA

Complaint narrative:
I am coming off of a forbearance and the mortgage company offered me a flex-modification. 

The flex-modification offer is supposed to offer a combination of extended payments and a lower interest rate. They originally indicated I was not eligible for the lower interest rate because my loan was behind before the forbearance. This was completely incorrect. As such, they did not apply the flex-mod rules correctly. Instead, they just extended the loan by 140 months ( over 10 years ) to give me a 2.6 % reduction in monthly payments. This adds {$380000.00} to the total cost of a {$400000.00} loan for a minuscule reduction in monthly payments.. It isn't reasonable nor doable. 

It's own instructions say that, if I can not afford the modification offered, that I need to call them to discuss other options that may be available. However, they will not put me through to anyone authorized to discuss this with me. The authorized individuals will not return my phone calls and the company will not provide any other contact information ( such as email ). I have called them five times, including requesting supervisors. Each time, I am promised a return phone call within XXXX hours. I have never received a return phone call. 

I have documented every call with them. I do not think they have any intention of talking with me and are letting the limited time I have to respond just run out. 

This is a Fannie Mae loan. The mortgage company is Guaranteed Rate, although I believe that the forbearance is being handled by another company contracted by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
Check my credit report and realized some unauthorized inquiries on my report attached is the list of inquires and FTC 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