vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I purchased my home on XX/XX/year>. 
I am a XXXX XXXX XXXXXXXX veteran so I am not required to pay taxes on my home. 
My county taxing authority has provided tax bills showing I am 100 % exempted. 
Rocket has taken over XXXX per month from me for taxes I do not owe. 
My requests have fallen on deaf ears. 
I have provided emails from my taxing authority and tax documents proving I owe XXXX taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).

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 2024-08-23 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: FL

Complaint narrative:
TransUnion is inaccurately reporting the credit limit of {$1400.00} for the XXXX XXXX  account # XXXX on my consumer report. This account was closed XX/XX/year> and charged off XX/XX/year>, I do not have any credit line or any access to credit with 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 2024-08-23 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: Experian Information Solutions Inc.
State: AZ

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. 
XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX : # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX : # XXXX, XXXXXXXX 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  has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

And according to 15 USC 1681s-2 they are suppose to 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 2024-08-23 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third-party companies without proper consent. According to FCRA Section 605b it is illegal to report information on my credit report without my permission. XXXX, XXXX, & XXXX are third party companies, and furnishing my credit profile is illegal and unlawful. Remove this account from my XXXX, XXXX, & XXXX XXXX file report because it affects my ability to obtain new credit. it is unlawful for false and misleading denial of my unlimited credit, based on Title 15 Subsection 1611 of the US code. 

PORTFOLIO RECOV ASSOC Account # : XXXX Date Opened : XX/XX/scrub> XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 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: MD

Complaint narrative:
I'm a victim of identity theft, pursuant to section 605, the fraudulent information must be removed. Fraudulent address are listed in the attached FTC.

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 2024-08-23 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: MD

Complaint narrative:
I'm a victim of identity theft, pursuant to section 605, the fraudulent information must be removed. Fraudulent address are listed in the attached FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: CBC Companies, Inc.
State: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year> a fraudulent account was opened. The collection amount {$460.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
In XX/XX/XXXX, MOHELA incorrectly charged me {$190.00}, which is {$80.00} higher than what was indicated on my Repayment Schedule ( {$110.00} ). Further, I was not supposed to be required to make a payment as high as the payment charged until XXXX, which I explained was necessary in months of contacting MOHELA between XX/XX/XXXX and XX/XX/XXXX about repayment options. 

MOHELA is not my only loan servicer, and the private servicer ( XXXX XXXX ) does not let me alter my repayment plan, requiring $ XXXX per month in addition to my rent, living expenses, and other debts. I can not afford mandatory monthly payments over {$150.00} at this time due to these other outstanding debts and payments, as I have stated repeatedly in many attempts to contact MOHELA about this matter and my situation. 

MOHELA has not sent me a Repayment Schedule for the amount charged to me in XX/XX/XXXX or any explanation for the discrepancy. Instead, after the unexpectedly high payment was due, they sent me another Repayment Schedule for {$180.00} which is {$15.00} less than what they charged to me in XXXX. I still have no documentation, communication, or clarification about why I was charged the higher amount in XXXX. I also do not have any communication about why it's not possible to stay on the graduated Repayment Schedule I had been on since XX/XX/XXXX or what other alternatives I have at this point. 

Now, I have a late payment notification despite many attempts to contact MOHELA in XXXX and early XXXX before there was a problem. It has been about 10 days since the payment became late and I still do not have any message from MOHELA, just a payment reminder for {$180.00} plus the overdue {$80.00}. I don't understand how they can just change my payments suddenly and without any explanation or documentation for the new plan, and ignore all my questions and contacts. 

I'm grateful I never turned on AutoPay or who knows how much they would've taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
I submitted a loan payoff in the amount of {$170.00}. This was to be taken out of my account on XX/XX/year>. 

Unfortunately, Mohela, once again switched platforms to be under the XXXX of XXXX. I received this notification the day after my payoff was submitted, XX/XX/year>. 

I had a bad feeling that my payoff would not be reflected. But I waited for the transition to the new platform before calling. 

I called Mohela on XX/XX/year>. My payoff amount had not been posted to the designated loan. The new platform didn't show ANY payment history. 

The representative I spoke to was very nice and calm, I didn't have to wait in a queue long. 

I asked what happened to my payment and gave the confirmation number : XXXX The rep told me that the payment was disbursed amongst all of my loans and not just the loan it was selected for. 

He then assured me he was going to move the payoff amount towards just the singular loan I was trying to payoff. 

Here we are, XX/XX/year>. That loan payoff amount was never moved over to that loan. 

The new service site still does NOT show a true PAYMENT HISTORY. It shows the loan disbursement amount/date, and any payments made since the XX/XX/year> switch. 

Don't worry, I hope we can fire MOHELA. I am totally fine and understand I need to payoff my loans. But this utter nonsense back and forth for a year has been unacceptable. 

Do better.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: OH

Complaint narrative:
Well since XXXX XXXX2024 I have been making my payments for my parent Plus Loan to The US Department Education because Ed Financial kept reversing my payments and they say on their web site that payments can be made to The US Department of Education . All was going good, payments posting on Ed Financial no problems. Come XXXXXXXX XXXX,2024 {$330.00} and XX/XX/scrub> 2024 {$330.00} payments made to The US Department of Education they were deducted from my bank account by EFT but where never posted to my Ed Financial account. Spoke with Ed Financial at the end of XXXX on why payments have not posted to my account. They requested that I send proof of payment from the bank. All information was sent on XXXX XXXX2024 I have yet to hear back from them and my account has not shown the payments as of today XXXXXXXX XXXX,2024. So for my XXXX payments I went through both Ed Financial and The US Department of Education. The US Department of Education payment {$330.00} went through again and did not post on Ed Financial account again. So I paid on the Ed Financial site again {$330.00} and it was reversed again. So they are showing my account delinquent when payments are being made and deducted from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: MN

Complaint narrative:
I am due a refund because my loans were discharged via XXXX v. XXXX. I contacted Mohela late XXXX. I asked for refund amount and if it has been sent to the treasury. I was told it was sent to the treasury and it could take up to XXXX business days. Today, XX/XX/year>. I contacted the treasury to see if the refund has been sent. They have received no payment authorization/request from Mohela. This information was NOT sent to the treasury.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: PA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 A states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and Experian are not maintaining reasonable procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: NY

Complaint narrative:
This company tried to collect money from me but i didnt recognize this company, another person use my identity for this. 

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 2024-08-23 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: NY

Complaint narrative:
This company tried to collect money from me but i didnt recognize this company, another person use my identity for this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 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: U.S. BANCORP
State: CA

Complaint narrative:
I believe that my information is being misused and reported as inaccurate and I am refiling this complaint to US BANK. In my credit report from XX/XX/year>, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions. I have also attached an FTC report for this complaint to support on fraudulent information complaints.

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 2024-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I am being served by Mohela. Since their switch to a new website, I can't see ANY of the payments I have previously made- I am concerned they are stealing my payments and not putting them towards my loans since I am currently in school. Federal loan counseling states that any payments I make in school should count towards my loans but I can not see what I have already paid. 

I want to be removed from Mohela. I do not want them to service my loan. They should not be able to service loans. They are impossible to reach and do not provide enough information about the status of my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I started an account with CareCredit in XX/XX/XXXX to help with interest free payments on my XXXX costs. The card was set to auto pay and in XX/XX/XXXX, I received a fee of over {$2000.00} to account for interest on the amount unpaid with a 24 month window. It was very unclear to me that the full payment was due within 24 months to avoid this fee and that the interest rate was on the total amount. Speaking to a representative, I was told that information was on the statements. The statements read : " YOU MUST PAY EACH PROMOTIONAL BALANCE IN FULL BY ITS EXPIRATION DATE TO AVOID PAYING DEFERRED INTEREST CHARGES. PLEASE SEE THE PROMOTIONAL PURCHASE SUMMARY SECTION ON THIS STATEMENT FOR FURTHER DETAILS. YOU HAVE A PROMOTION ( XXXX ) EXPIRING ON XX/XX/XXXX. '' I asked if any information is emailed or sent in the mail to make the matter clearer and was told no. I asked to speak to a XXXX and was told that there is nothing that can be done. Even when offering to pay my original charge in full, I was told that this is unacceptable and the full amount of interest needs to be paid with XXXX flexibility. 

It was extremely unclear to me that the interest would be applied to the full purchase amount and I do not believe the credit card company is doing their due diligence helping consumers be aware of this fee.

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