vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 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: EdFinancial Services
State: TX

Complaint narrative:
I set up auto pay with Edfinancial for when my student loans resumed. The XXXX payment went through without an issue. I decided to change the account from which the payment is debited. After the payment was not debited I emailed the company at least twice w/o a response. I tried their chat option on their website - no agents available during their customer service hours. I called and reached a rep who said my payment that was supposed to be debited the XX/XX/XXXX had gone through the XXXX and to give it several business days. After several days went by I called again and they told me i had been lied to that there was no pending payment. I have now cancelled auto pay because this company can not get their act together. I'll pay it monthly on my own. But after I finally did a one time payment, I now get a lovely email from the Dept of Education about a missed payment notice. This is INSANE!!!! Maybe the Dept of Education could contact Edfinancial about how inept they are. I want an acknowledgement letter from Edfinanical verifying that i was told incorrect info about my auto pay and an apology for the hassle this has caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
Since XXXX I dont escrow reason why Im a XXXX XXXX Im exempt from real estate taxes and since XXXX I have maintained home insurance and I pay insurance once a year. In XXXX I refinance my home with XXXX XXXX XXXX. From XXXX I have XXXX, XXXX and now Carrington mortgage services. I have been paying Carrington since last year XXXX and the other the same amount now since last month they raise my monthly payment they implemented their own insurance and taxes when theirs no taxes bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My information was sold and brought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. Im attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete the illegal accounts from my credit reports. 

XXXX XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, has violated my rights.

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 non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I was a victim of this data breach delete these accounts immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didnt follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP
State: AR

Complaint narrative:
This information is pending and was not aware of property undergoing auction sale? I am also needing assistance with funds if there are available grants. 
This information is being requested due to different information given that my property is undergoing foreclosure process in XXXX XXXX and I was informed that I had forebearance until the end of XXXX XXXX I have been receiving false information and this could have been resolved prior to the current state that my property status conditioned.

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 2023-11-29 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a XXXX party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

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 2023-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accscient, LLC
State: AZ

Complaint narrative:
XX/XX/23 a formal letter was sent to Nationwide Recovery. I asked for documentation showing such debt exist. till this date i have not received any response from this company and is messing up my current credit reporting

Company response to consumer: Untimely response
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX and Transunion continues to allow prior lenders to incorrectly report on my credit report. 

I underwent a debt management program - the end of which was supposed to result in the removal of the following accounts : XXXX Bank Delaware XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account as XXXX written off when it was only {$8000.00} XXXX is reporting the account as {$12000.00} written off when it was only {$8000.00} TD Bank/Target is reporting XXXX XXXX XXXX XXXX off {$1300.00} when they only wrote off {$800.00} FINGERHUT is reporting they wrote off XXXX {$4000.00} when they only wrote off XXXX Synchrony Bank/Verizon Visa is reporting they XXXX XXXX {$3300.00} XXXX they only wrong off under {$1700.00} XXXX Bank is reporting they wrote off {$4400.00} XXXX they only wrote off {$2000.00} I have disputed this with each individual bureau and they refuse to update the records, yet they continue to allow each of these creditors to update my credit report to reflect additional late pays, delinquencies, and charge off codes that were not present when the accounts were settled.

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 2023-11-29 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: IL

Complaint narrative:
XXXX Equifax and XXXX continues to allow prior lenders to incorrectly report on my credit report. 

I underwent a debt management program - the end of which was supposed to result in the removal of the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX account as XXXX written off when it was only {$8000.00} XXXX is reporting the account as {$12000.00} written off when it was only {$8000.00} XXXX XXXX is reporting as if they wrote off {$1300.00} when they only wrote off {$800.00} XXXX  is reporting they wrote off over {$4000.00} when they only wrote off XXXX XXXX XXXX XXXX is reporting they wrote off {$3300.00} when they only wrong off under {$1700.00} XXXX XXXX  is reporting they wrote off {$4400.00} when they only wrote off {$2000.00} I have disputed this with each individual bureau and they refuse to update the records, yet they continue to allow each of these creditors to update my credit report to reflect additional late pays, delinquencies, and charge off codes that were not present when the accounts were settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
XXXX I was scammed out of I thought I was moving to XXXX and I got there and someone lived there. It started in XXXX. It will not let me send you the FAKE lease

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: KS

Complaint narrative:
i logged in to my XXXX XXXX and it said i had a collection message and its from XXXX XXXX XXXX XXXX XXXX XXXX but i dont even live in oklahoma and i didnt set up an account with them so i dont know how i have unpayed bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: IL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
My servicer, Mohela, is not responding to requests in a timely manner. Today is XX/XX/XXXX. 

On XX/XX/XXXX I submitted an application to switch the to SAVE plan. I requested my loans NOT be placed on forbearance during this time. The application has not been processed yet. After submitting, I received an automatic response that it would be processed within 90 days. 

On XX/XX/XXXX I was advised an administrative forbearance was placed on my loans ( I assume as part of the punishment for their billing failures ). That same day, I requested via secure message that my forbearance be lifted. That request has not been processed or responded to. 

On XX/XX/XXXX I contacted Mohela via phone to again request the forbearance be lifted. That has not yet been processed. 

On XX/XX/XXXX, I sent Mohela a secure message with standing payment instructions and requesting that my account due dates be adjusted to reflect these instructions ( " STANDING PAYMENT INSTRUCTIONS Please do not place my loans into Paid Ahead status. All payments made over my monthly payment amount should be applied to my current bill and not advance my due date. Please adjust my current loan due date ( XXXX ) to reflect this request as well. '' ) This has not yet been processed. 

On XX/XX/XXXX, Mohela sent me two secure messages saying they see I spoke to someone about my previous messages and assume the matter is resolved. I replied immediately advising that 1 ) I do not know which messages they are referring to and 2 ) that none of my requests were resolved. I have not yet heard back. 

The forbearance is blocking me from refinancing my loans, and interest continues to accrue. Every day that Mohela delays their response, it is costing me money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: MIDFIRST BANK
State: SC

Complaint narrative:
Company : Midland Mortgage did the loan for my parents ( XXXX XXXX & XXXX XXXX house. My parents left the house to me. So I tried and tried to get my name on the loan ( assume the loan ). Midland mortgage unknown to my knowledge kept making me do application after application, but they had me doing a regular application like I was just trying to buy a house with terrible credit which I knew I had but that was not the case. I should have been given the application and lead to assume my mothers loan for her house that was almost paid for. Sad to say I know yet its life. I was in prison when my mother passed away so I came home to a total mess, family tore apart, house on the verge of foreclosure and they totally mislead me and took advantage of my lack of knowledge to swindle me out of my parents home. I even tried to file for bankruptcy but it would have taken everything I had into it which I also didnt know so I didnt file and they had me do another application which they made me fill out the same kind of application only to deny me for a new mortgage with a terrible credit score. They took my parents home that we lived in over XXXX. Please help me! Wish I knew of you all then.

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 2023-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
I have been trying to make a payment on my mortgage but everytime I try to log onto my account it wont let me. Everytime Ive tried calling it tells me that there is no one to assist me due to the fact they cant get into anyones accounts. I have been trying for over a week now. I also just found out that there is a lawsuit for there system being hacked and wasnt informed led that my information maybe breached

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 2023-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I am submitting a complaint against my current mortgage servicer, Freedom Mortgage. I originated and closed a loan with XXXX XXXX  on XX/XX/2023. My loan was then transferred to Freedom Mortgage on XX/XX/2023. 


I had received a tax bill in the mail and had reached out to XXXXXXXX XXXX regarding this as we have an escrow account within our mortgage to have taxes and insurance paid out by the mortgage company. I also provided my most current mortgage statement to them, and after further looking into the statement, it shows that Freedom Mortgage was only collecting for Insurance and not taxes. 



After looking at our Closing paperwork, myself, and a representative from XXXX XXXX reached out to Freedom Mortgage to see as to why they are not collecting for Taxes. Freedom admitted that it was a servicing error on their end that taxes were removed from escrow. Freedom did not have an answer as to why they had removed taxes from the escrow account. Freedom will now start to escrow for taxes for the future and have the current tax bill be paid out of my escrow. However, Freedom confirmed that an escrow analysis will be ran next year in XXXX and because I was paying a lower amount into escrow, I will now have a shortage in my escrow account, which will impact my payment and increase it.

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