vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
I applied for a refinance loan through New American Funding. New American Funding was listed on XXXX XXXX as being XXXX of the top XXXX to apply for a refinance mortgage loan. I applied on XX/XX/year>, and was immediately contacted by phone. 

I was contacted by phone, after applying, by XXXX XXXX, XXXX XXXX XXXX # XXXX. 

I asked about the terms and interest rate based on a soft pull of my credit. I also sent him an unoffocial appraisal of my property. 

He stated I would receive an interest rate of 6.625 %. I asked him if this was the guaranteed rate I would receive as I did not want to do a hard pull of my credit and have it affect my XXXX XXXX. He guaranteed the rate and stated I would receive disclosures I had to sign on Monday, XXXX XXXX. 

I received the loan disclosure and signed it. The next day I was instructed to contact the former lender, which I had applied for a refinance and was turned down. The lender needed to transfer the FHA file to New American Funding. However, in order to transfer the file, I had to pay the lender, XXXX XXXX Mortgage, {$750.00} for the appraisal. 

It was very difficult for me to come up with the {$750.00} necessary to pay for the appraisal, but given I had a guaranteed loan with a 6.625 % interest rate, and would be able to pay down some of my debt, I agreed to pay. 

The FHA file was then transferred to New American Funding. 

The next day, XXXX XXXXXX/XX/year> at approximately XXXX XXXX, I received another disclosure requesting my signature. The loan terms had changed to a higher rate as well as the monthly payment. 

On the loan disclosure, in the box labeled Reason for XXXX was the following statement : Per borrower request, the loan term has been updated to 20 years and the rate has been locked at 7.250 % at a cost to the borrower of {$1800.00}. 

I did not request a loan term change to 20 years nor did I request a rate of 7.250 %. 

There was no explanation given with the disclosure as to why the loan terms had changed. I did not receive an email explaning the loan terms had changed and that I needed to sign a new disclosure. 

I emailed the loan XXXX XXXX XXXX. I asked why the terms had changed. His response to my email was : On XX/XX/year>, at XXXX, XXXX XXXX XXXX XXXX : Hello, the 20 year is all that would be approved. The 6.6 % they have costs to much money on your loan. 

" The reason why they didnt approve you was because they gave you unrealistic numbers to begin with. Never want to do that '' XXXX XXXX admits to fraudulent loan terms. 

Also was fraudulent was the statement that I had requested the change, which I did not. 

I notified XXXX XXXX to immediately cancel the loan contract and return the FHA file to XXXX XXXX Mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
I started paying back on my student loan back in XXXX, when XXXX was servicing it XXXX sold it to Navient after a few years and they have been servicing the loan until late XXXX. Based on how it was structured I wont have this paid off until I reach XXXX XXXX XXXX. I tried working with Navient in XXXX to get the loan forgiven since Ive been paying on it since XXXX. I had 4 to 5 years of forbearance due to recession and unemployment. In late XXXX  I found out that there was a class action lawsuit against Navient for illegal practices but I was never notified of this. Navient sold my loan to XXXX after the settlement was reached without my knowledge or consent, I am looking to get this loan disputed and forgiven. I originally borrowed about {$84000.00} and as of today, XX/XX/XXXX, the remaining principle on that loan is still at {$75000.00}. I have been making payments for approximately 17 years and still owe XXXX % of the principal! I am XXXX XXXX XXXX and can not retire with this loan over my head. Ive paid my debt but because of how Navient had structured the loan, almost all those payments went to interest and not principal and they refused to work with me on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: NJ

Complaint narrative:
I'm filing this complaint under the FCRA due to the willful noncompliance of the credit bureaus XXXX XXXX XXXX improperly investigating my disputes, as required under 15 usc 1681 & 15 usc 1681 A-2 ( B ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation & have continued to report inaccurate information to my credit report. Furthermore, the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.

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 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Truist Bank convinced me to sign on to a Truist Credit Card in XXXX of XXXX. I reluctantly agreed. I charged a few transactions to this card including a car repair of XXXX dollars in XXXX of XXXX. In XXXX of XXXX I learned this card had been hacked so I visited my local Truist branch in XXXX, TN on about XX/XX/XXXX. I was told by XXXX XXXX that I should the number on the back of the card which I did. The person on that call told me there was nothing they could tell me ; that I had to go to my local branch which I did that same day. At the branch XXXX called that same number and after some time she told me the account was now closed and so no further transactions would take place on that card. However this closure did not occur and when I visited the local branch to pay off my transactions on that card I was told I owed XXXX dollars on that card. XXXX XXXX then called the XXXX department and was on the line with them for XXXX hours in my presence as they went through each transaction manually. This all happed on XX/XX/XXXX. I was told things would probably go my way. For the next few weeks I received letters from Truist XXXX XXXX regarding their investigation. In late XXXX I received a letter stating that based on the information they had they were not able to determine the transactions were fraudulent. So now I am stuck with XXXX plus dollars in debt that I have to pay off in increments for a long time or they threaten to ruin my credit if I do not. Yesterday, XX/XX/XXXX I spoke to reps at Truist XXXX department who confirmed this. I am asking for redress and resolution of this problem in my favor

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 monetary relief
Consumer complaint received 2025-03-29 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: GA

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report as soon as possible. I have no connection to these accounts, nor did I authorize them. Per USC 1681g, I am formally requesting their removal within 15 days. I have enclosed supporting documents for your review. Moreover, discrepancies exist as different account details are being reported to each credit bureau

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: NJ

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report as soon as possible. I have no connection to these accounts, nor did I authorize them. Per USC 1681g, I am formally requesting their removal within 15 days. I have enclosed supporting documents for your review. Moreover, discrepancies exist as different account details are being reported to each credit bureau

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 2025-03-29 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 non-monetary relief
Consumer complaint received 2025-03-29 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: EQUIFAX, INC.
State: AR

Complaint narrative:
Equifax just keeps reporting accurate which it is not. XXXX removed it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC
State: GA

Complaint narrative:
requested debt validation letter, was never received for the accounts listed on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
A year ago my property taxes increased quite a bit. I sent my mortgage company additional funds to get my escrow account back on track. My mortgage company still raised my mortgage payment, even though I sent them more than they asked for! Then they sent me back {$1500.00}. I called my mortgage company several times, spoke with multiple agents and people with their escalation team and had are reanalysis of my escrow account done. I kept telling them they were short {$1500.00}. Everyone told me there would be no shortage. Now I have a bill saying if I dont pay the {$1500.00} they are going to raise my mortgage payment again! I have been telling them there would be a {$1500.00} shortage for nearly a year and everyone said thered be no shortage but there is! I am calling them today to pay the {$1500.00} shortage again but XXXX concerned that my mortgage company is doing this purposely in order to raise my mortgage payment year after year. And XXXX predicting, based on past experience, that my mortgage company will be raising my mortgage payment regardless of whether I pay this escrow shortage or not. This just doesnt seem right at all. My mortgage company is Mr Cooper. I have had a mortgage with them since 2016 and have had constant issues like this the entire time but in the last few years their escrow dept has been significantly worse. Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-29 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:
MOHELA XXXX XXXX has been misleading when it comes to repaying my student loan initially i owed {$2900.00} but when i checked my account one day i owed over {$3000.00} and when they contacted me on XX/XX/year> at XXXX am i had a XXXX minute call with them to fill out a forbearance and deferment form they emailed it and its not readable and i never received it in the mail. they also said they would stop the delinquency on my account and my student loan payments but when i checked my XXXX XXXX report it said my account was derogatory and my debt went up. ive been paying off my loans and thought the forms to stop my payments for a little while would be enough to at least help my credit a little more to see the misleading information right before my eyes is very frustrating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: NJ

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report as soon as possible. I have no connection to these accounts, nor did I authorize them. Per USC 1681g, I am formally requesting their removal within 15 days. I have enclosed supporting documents for your review. Moreover, discrepancies exist as different account details are being reported to each credit bureau

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 2025-03-29 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/XXXX of this XXXX. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX : XXXX. XXXX XXXX - XX/XX/year> 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 XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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