vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
Our loan was transferred to Specialize Loan Service from XXXX XXXX on XXXX/XXXX/203. We had made several large payments to the principle prior to the transfer. Our statement close on XXXX/XXXX/XXXX  reflected the payments. We did not receive a statement close in XXXX and I called and they could not tell me why. They had also reversed a {$22000.00} payment we sent and said it was not ours and it was misapplied. We were told we had to send them proof. We did. There is still no resolve and they have not fixed the issue an want to bill us interest to pay on the {$22000.00} they say we owe. The service department told us today that yes the have to payment info but nothing has been done. It is has been almost XXXX months. We still have not received a statement from XXXX. We are still being billed the interest and finance charges on the XXXX which is over {$600.00}. We are at a loss on what can be done. I have emailed the CFO of the company as well. I believe they are dragging their feet for profit.

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 2023-08-17 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the creditor has violated my Rights. Under 15 USC 1681 section 602 states I have a right to privacy. Under 15 USC 1681 section 604 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an opened consumer credit plan as late for any purpose.

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 2023-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Driveway Finance Corporation
State: FL

Complaint narrative:
On XX/XX/2023 we traded in our XXXX XXXX that was financed with Driveway Finance. On that day I logged into my online account with Driveway Finance and provided the dealership with the payout amount. Our next payment was due on XX/XX/2023. On XX/XX/2023, Driveway Finance deducted {$360.00} from my account. When I noticed and logged online, my " auto-pay '' was turned off. I called Driveway and I was told that the new bank ( XXXX ) did not pay the total amount and I was charged with the difference which included a late fee for the XX/XX/XXXX payment, a returned check for the XX/XX/XXXX payment, and a late fee for the supposed XXXX payment that I was not even aware. The representative informed me that XXXX sent a payment of {$33000.00} and the total payout was {$33000.00}. The XX/XX/XXXX late fee was {$31.00}, the return fee {$25.00} and the XXXX late fee was {$39.00}. The numbers simply don't match. 
So I asked the representative to provide me with a statement with a complete history of payments, dates and loan information. She informed me that she would need my personal email because the email on file is my work email and per policy they can not send to a work email or business. I questioned the reason because I used my work email to create the account online and have received emails from Driveway Finance in the past. 
My complaints are the following : XXXX Lack of information available to consumer. The portal where we access the account does not show payment history, fees or any other essential information related to the original loan. 
XXXX Lack of communication. I have not been emailed or received a letter notifying me that I still owed them money. 
XXXX Unauthorized charge. My account auto-pay was turned off and yet I was deducted money. 
XXXX Lack of transparency with consumer related to information request. If a work email or business email can be used to open an online access, therefore the same email should be used to receive documents related to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT LATE PAYMENTS WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT LATE PAYMENTS WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT LATE PAYMENTS WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT LATE PAYMENTS WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Hello I am XXXX, one the customer that bought a vehicle from USAUTO SALES. THEY ARE TRYING TO START MY FINANCIAL PAYMENTS FROM START. NEVER WAS NOTFIY OF THIS COMPANY LOSING BUSINESS NOR ANOTHER COMPANY TOOK OVER. But is trying to double up impairments and buyouts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
Shellpoint mortgage is a mortgage servicer that my mortgage was transferred to. They are mistreating me repeatedly while Im trying to save my home from foreclosure.

The mortgage servicer failed to honor their promise to work with me on modifications for loans transferred from my prior servicer. They demanded payments before providing loss mitigation options, delayed decisions on any loss mitigation options, and harassed and threatened me now that Im overdue.

I believe their delay of 9 months to respond to me, is due to waiting if I would be approved for XXXX. 
They are demanding 9 months of overdue payments, which is unfair considering I contacted.

them for 1 missed payment.

Because I missed 1 payment, they demanded 2 months plus fees ( an amount I could not afford ), the next month I called to pay.

Ive let them know every month I can make a payment, but they refuse and fail to work with me, because I struggled for 1 month, by prioritizing collecting total overdue.

payments instead.

I DO NOT BELIEVE SHELLPOINT IS COMPLYING WITH THE LAW. I DO NOT BELIEVE FORWARDING THIS COMPLAINT WILL HELP ME, BECAUSE THEY HAVE RECEIVED ONE ALREADY. I DO BELIEVE THEY WILL RETALIATE AGAINST ME IF THIS IS FORWARDED TO THEM. I NEED CFPS TO LOOK INTO THE WAY THEY ARE TREATING ME AND POSSIBLY OTHERS, AND TO DO SOMETHING ABOUT IT. COMPARED TO OTHER CIVIL PENELTY CASES HANDLED BY CFPS, THE SAME VIOLATIONS, IF NOT WORSE, IS HAPPENING TO STRUGGLING BORROWERS WHO WANT TO SAVE THEIR HOMES AND WHO WANT TO MAKE THEIR PAYMENTS, AT SHELLPOINT MORTGAGE SERVICES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: MS

Complaint narrative:
I contacted the credit bureau about hard credit inquiries indicating that I applied for credit within the past three months. These credit inquiries were hard credit inquiries that affect my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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 — Problem with personal statement of dispute
Company: MECHANICS BANK
State: CA

Complaint narrative:
In response to Consumer Financial Protection Bureau Complaint XXXX Revised Letter On XX/XX/2023, I went into XXXX XXXX XXXX XXXX to see about the possibility of purchasing a vehicle. I did sign a piece of paper that XXXX XXXX XXXX will ask for identification to confirm how I am and that is all I signed, once. Also stating that it is XXXX XXXX XXXX I am applying for a car loan with. After spending about five minutes hearing XXXX XXXX jiggle all the numbers around in loan offer, I finally got up and went home. When I returned home, I seen that there are seven other banks on my XXXX  account that says I applied for credit with them. So, I did make a report to the Office of Attorney General of California and when I received a mailing from The California Office of Attorney General in the mailing it shows that XXXX XXXX had slipped two other documents that I was not shown on XX/XX/2023. On the second page labeled XXXX XXXX XXXX it shows that I agree to submit this application and any other application to other banks that XXXX XXXX XXXX Dealership discloses to me. I did not sign this page labeled XXXX. I know in my experiences in going into car dealerships that car dealership ask to consumer being me to sign every single page show to the consumer to prove the prove that each page was shown. I attached a copy of my credit report I t shows that I have a sixteen-year credit history with zero accounts that have ever reported me late I also I on car loan I paid off in XXXX and one car loan current and in good standing. I have one open credit card with a {$7000.00} credit limit and a balance of {$110.00}. Does this look like someone who does irresponsible things with their credit reports? I have submitted my current XXXX Credit Report to prove it. I havesubmitted a document stating that I sold my XXXX at XXXX the next day. It shows XXXX paid off the car loan I currently had which then left me with {$8200.00}. I have also enclosed a document stating that I purchased a beautiful XXXX XXXX at XXXX XXXX XXXX XXXX on XXXX. I submitted documents showing that I paid the IRS taxes in the last two years. I can submit documents showing that I worked as a humble Door Dash delivery driver for the past two years plus. I can submit all these documents to show I take my business. I also see that XXXX XXXX XXXX XXXX uses a system from a company called XXXX XXXX XXXX XXXX. They say their service provides car dealers with a credit score to help the car dealership offer a loan for the consumer, so why all the other loan applications made to other banks on my behalf that day ( Loan applications I did not approve of I remind you )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT LATE PAYMENTS WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-08-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I initiated a loan assumption to remove and absolve my XXXX from the title, mortgage and all responsibility. The lender informed me that this process was a 30-90 process. I started this process on XX/XX/2023. I was informed this process would be completed on XX/XX/2023. To date this process has exceeded 130+ days, without any explanation or communication as to why? I have made multiple attempts to contact the lender and the department in charge. The VA has produced guidance and guidelines for the lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have a combination debit/credit card issued by my financial institution, TD bank where I have XXXX accounts since XXXX. 
During the entire month of XXXX, XXXX I was hospitalized for a XXXX XXXX XXXX XXXX XXXX XXXX. On the XXXX XXXX  XXXX I went online to check the status of my accounts and discovered numerous unauthorized purchases from XX/XX/XXXX to XX/XX/XXXX made with the credit capability of my debit card and deducted from my checking account by TD bank. That is when I realized my card had gone missing whereupon I called TD and reported the card missing, had that card canceled, requested a new one and began the dispute process. I waited a few days and checked my accounts and saw I had been issued provisional credit for those charges. When I was released from the hospital on XX/XX/XXXX I checked my accounts again to discover my dispute had been denied on the grounds that I had either charged the items myself or had authorized someone else to. That is ludicrous! I was stuck in a hospital bed in XXXX, NJ, while these charges were made from XXXX to XXXX and XXXX New York! I'm now told by customer service that if I officially lodge a dispute a 3rd time and denied they will close the case. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-17 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: CA

Complaint narrative:
I have nearly {$200000.00} in federal student loans from my medical school education. My loan servicer was initially XXXX. I started repayment in 2014 after graduation from medical school. 

When my loan servicer was changed to Mohela, my repayment history ( 7-8 years! ) from XXXX was not carried over. 

Ive called and messaged Mohela repeatedly regarding this- they've sent me documents via email and USPS that they say are my repayment history but are very clearly NOT my loan documents ( ie another customers name on the document, the date of repayment before 2014, loan total amount {$7000.00} ). 

No one can seem to track down my repayment history. As I am now nearing PSLF ( I qualify! ) it is critical that my repayment history is accurate and accounted for in Mohela- we are talking about a nearly XXXX XXXX  mistake if not! 

I have planned my career around PSLF- taking jobs at public university to ensure my eligibility for loan forgiveness, rather than taking potentially more lucrative work in private practice.

This must be corrected, and urgently. Mohela has been of absolutely no help.

I've attached a document sent to me that is NOT my loan repayment history

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 
I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The inquiry was not authorized XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I would like to make sure my address is updated

Company response to consumer: Closed with explanation