vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
My daughter who is a XXXX, had three fake deposits into her checking and savings accounts ( totaling {$3000.00} ) and XXXX {$250.00} payment to XXXX out of her checking. We brought this to XXXX right after it happened and worked with a personal banker to close out those accounts. The fraudulent check copies were sent to us and when we tried to go in an open a new account for my daughter they said she can no longer bank with XXXX. The letter also said that this closure may be reported to one or more credit agencies and could impact her ability to open future financial accounts. I have been with XXXX for decades and am very unhappy. They refused to send me a case file or email with all the particulars of this event. My daughter also got a threatening text saying she had to send money or be assaulted. We showed and emailed all this to XXXX. They said there is nothing they can do and say the deposits came from her mobile phone. They did not. If she or i was trying to be fraudulent why would I tell them right after it happened and work to close the accounts and provide information?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: E Mortgage Capital, Inc.
State: SC

Complaint narrative:
I was approached on refinance or HELOC due to rates were lower on XX/XX/year>. I responded on XX/XX/year> asking what the credit score has to be and that I was working with XXXX XXXX. On XX/XX/year> I received a message stating they could get me a locked loan estimate and what the credit score could be at the lowest, which was XXXX. I then returned the phone call and spoke with the representative who sent over a link after we talked about the process. I received an link to fill out an application through text message and completed the application on XX/XX/year>. The representative asked for additional documents and asked me to email them to them directly. I emailed mortgage statement, Insurance documents, pay stubs, W2s, and student loan information. We were on the phone as I was sending items over. The representative stated they received everything and would call me back once they worked to see what lender they could get to provide me a decent quote. 48 hours went by and no communication, I texted on XX/XX/year> asking did the application get rejected due to me not hearing back, the next day XX/XX/year> they replied that they had never done an application for me. I replied stating I have sent over documents to them through email and the link provided. I also emailed them as well saying the same thing and asking what is going on. No response has been made. I am now mad at myself, because I am convinced I provided all my documents to someone who scammed me from the company name EMortgage Capital. I looked them up online and saw their contact number and no one answers, only a generic voicemail picks up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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:
I received an email from the XXXX XXXX XXXX that my student loans will be forgiven under the XXXX XXXX administration on XXXX review the attached documents. Shortly after that, my account with MOHELA was placed in forbearance and the loans were XXXX. I received a congratulations letter from MOHELA that my account was XXXX. 

Today received a payment reminder from MOHELA. I logged in and the balance was showing again. I called MOHELA and they told me that the forgivness decision was reversed and they were notified by the department of education to now process my forgiveness under borrowers defense program because I attended XXXX and XXXX XXXX. This specific Forgivness under the borrowers defense program was XXXX from my account a long time ago and the remaining balance was forgiven under the XXXX account adjustment. I have not received anything from the department of education that would indicate that my IDR Forgivness was reversed. I logged in today and my account balance is showing as XXXX. How can this be possible? MOHELA has now placed my account in forbearance until they process the borrowers defense discharge. None of this makes sense to me and it is illegal. You can not forgive the balance and reverse it back. Again, I was not notified by the department of education on this and my balance with them is still showing as XXXX. 

I need someone competent at MOhela to review my account please because I am not making any payments. As far as I am concerned, my balance with the dept of education is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Kindly dispute the bankruptcy that appears on my credit report, I'm writing. I have a court letter stating to the fact that this bankruptcy should not to be published. This situation gets worse by the involvement of an unauthorized third party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: NY

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit 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 explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Email : XXXX [ Date ] Experian Dispute Department po box XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XXXX : Notification of Removal of XXXX XXXX XXXX XXXX Account by XXXX To Whom It May Concern, I am writing to inform you that XXXX has recently completed an investigation and has removed the XXXX XXXX XXXX XXXX account from my credit report. The details of the removed account are as follows : XXXX XXXX XXXX XXXX Account : Account Number : XXXX ( XXXX ) Account Number : XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Status : Account charged off. {$44000.00} written off. {$23000.00} past due as of XX/XX/XXXX. 
Balance : {$23000.00} Balance Updated : XX/XX/XXXX Original Balance : {$47000.00} Last Payment Date : XX/XX/XXXX Past Due Amount : {$23000.00} Terms : 72 Months Payment History : Multiple months showing CO ( Charge Off ) status and past due statuses. 

Given that XXXX has determined this information to be inaccurate and has removed it from my credit report, I am formally requesting that XXXX and TransUnion also remove this account from their records to ensure accuracy and consistency across all credit reports. 

As per the Fair Credit Reporting Act ( FCRA ), it is essential that all information reported is accurate and up-to-date. Since XXXX has validated that this information does not meet these standards, I expect that XXXX and TransUnion will take similar action. 

Please acknowledge receipt of this letter and confirm in writing that the XXXX XXXX XXXX XXXX account has been removed from my credit reports. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX XXXX Attachments : 1. XXXX Dispute Results ( showing removal of XXXX XXXX XXXX XXXX account ) 2. Copy of Credit Report with Discrepancies Highlighted CC : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) New York State Department of Financial Services Feel free to adjust the details or add any other information that you find relevant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company. 
Please assess and investigate the accounts that are not entirely accurate. I request the prompt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company. 
Please assess and investigate the accounts that are not entirely accurate. I request the prompt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I was informed Wells Fargo replaced XXXX XXXX Credit Card around XX/XX/XXXX, With XXXX XXXX XXXX, their choice I did not request. XXXX XXXX had no numbers on it and they had to send new card. I received new card. 
I received a letter on XX/XX/XXXX dated XX/XX/XXXX Stating I must Fax or go in person to provide Tax papers from previous year. The letter XXXX that the Consumer Financial protection Bureau is asking for the information to be in compliance with regulatory requirements. 
I went in person to Bank with the info asked for. The Bank had no idea really why this info was needed. Their Solution was to cancel XXXX and have me come in with my Articles of Incorporation an fill out new application. Now it says I canceled my card because i don't need it. Of course this will mess up my credit. We discovered that after my visit to bank in XXXX To correct that my husband was not on the account but was on the initial application paper work, That was indeed NEVER corrected. 
I tried to call. The numbers provided on the back of the credit card and the Credit card statement do not bring a customer to the Credit Card department. I had to go through XXXX agents and about XXXX minutes to get someone from the Credit Card Department. I was told by agent this Government agency is requesting my last year tax info, as bank is missing information. I asked what information was missing and they could not provide an exact answer. The number I am asked to Fax to is XXXX XXXX XXXX XXXXXXXX. I have no idea what this is. 
I have been a customer personal and Business for around XXXX  years or more. I'm sure they have any and all financial information about me they need or can freely access. 
Please note the card is Canceled per their suggestion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Improperly closed complaints, as was documented on each. 
XXXX XXXX XXXX XXXX XXXX As amplifications on all and complaint, approximately 20 request shave sent o Fifth Third bank personnel, With repetitive erroneous comments on the interest owed ( ( as described ) The latest letter/fax was sent to the CEOs office of XXXX XXXX XXXX ( attached ) All the above should be added to this complaint ( and the prior improperly closed complaints AND pursued by the FDIC with Fifth Third Bank and published accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My mortgage was sold to Shellpoint Mortgaging Services, and they took ownership of my mortgage XXXX. I had just closed on the home, so no payments had been made. I filed a recurring payment request on biweekly status. Due to the transfer/sale of my mortgage, my first payment that was due XXXX did not come out until XXXX. I was told that the payments would then post every 2 weeks from that new date, meaning XX/XX/XXXX, XXXX, XX/XX/XXXX, and so on. My XX/XX/XXXX payment did not post until XX/XX/XXXX, and after numerous attempts and promises by Shellpoint to call me back, this issue is still not resolved. My account still shows payment due XXXX, but shellpoint says the next draw wont occur until XX/XX/XXXX. I still can not get a clear answer on payments, the online portal will not allow me to modify my payment schedule, and when I call the number to modify, I keep being told a supervisor has to call me back but they never do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-08-07 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: OR

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Email : XXXX [ Date ] Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Notification of Removal of XXXX XXXX XXXX XXXX Account by XXXX To Whom It May Concern, I am writing to inform you that XXXX has recently completed an investigation and has removed the XXXX XXXX XXXX XXXX account from my credit report. The details of the removed account are as follows : XXXX XXXX XXXX XXXX Account : Account Number : XXXX ( Experian ) Account Number : XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Status : Account charged off. {$44000.00} written off. {$23000.00} past due as of XX/XX/XXXX. 
Balance : {$23000.00} Balance Updated : XX/XX/XXXX Original Balance : {$47000.00} Last Payment Date : XX/XX/XXXX Past Due Amount : {$23000.00} Terms : 72 Months Payment History : Multiple months showing CO ( Charge Off ) status and past due statuses. 

Given that XXXX has determined this information to be inaccurate and has removed it from my credit report, I am formally requesting that Experian and XXXX also remove this account from their records to ensure accuracy and consistency across all credit reports. 

As per the Fair Credit Reporting Act ( FCRA ), it is essential that all information reported is accurate and up-to-date. Since XXXX has validated that this information does not meet these standards, I expect that Experian and XXXX will take similar action. 

Please acknowledge receipt of this letter and confirm in writing that the XXXX XXXX XXXX XXXX account has been removed from my credit reports. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX XXXX Attachments : 1. XXXX Dispute Results ( showing removal of XXXX XXXX XXXX XXXX account ) 2. Copy of Credit Report with Discrepancies Highlighted CC : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) New York State Department of Financial Services Feel free to adjust the details or add any other information that you find relevant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: IL

Complaint narrative:
I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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