vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am the co-signer on student loan with Firstmark Services XXXX XXXX XXXX. The month following the date the XXXX student loan repayment was due, I started receiving past due notices from the lender. Each consecutive month I get a past due that adds the amount from the previous month. The student has been paying the loan XXXX XXXX of the required monthly repayment amount agreed upon in the contract. 

The student contacted Firstmark advising them that the loan payments are not being applied appropriately to the XXXX loans on the account indicating that the loan is current and up-to-date with payments. The student was advised they would resolve it in XXXX weeks and send him an email. Neither has happened. 

I contacted Firstmark Services and spoke with a XXXX demanding that the issue be resolved since the erroneous system glitch stating there is a delinquency is causing me to get past due notices as the co-signer to the account, along with a threat of late fees and reporting me as delinquent on the accounts. The XXXX acknowledge that there is a ticket submitted by the student but that the matter is still in limbo with no XXXX on when it will be fixed. The only resolution that was offered was that they would " SUPPRESS '' the notices I would receive regarding my credit and being late, not that there wouldn't continue to be an indication on the account that I am, in fact, showing as erroneously delinquent per their online accounting system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: FL

Complaint narrative:
Please see attached as i have been a victim of identity theft, I've sent many letters and ftc reports with no response.

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 2024-04-16 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: FL

Complaint narrative:
Please see attached as i have been a victim of identity theft, I've sent many letters and ftc reports with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.

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 2024-04-16 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: PA

Complaint narrative:
Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.

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 2024-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: OH

Complaint narrative:
I had a check XXXX XXXX issued from the response in relation to my original complaint on XX/XX/year> I was told to give it XXXX business days but i still have not received, I contacted the XXXX contact number listed in the response which representatives had trouble locating this check because of my profile no longer being active because of the closed account. This has already been a long stressful process. I am seeing if there is someway this payment can be released via branch manager at my nearest location like the other portion of the funds or if the shipping can be expedited

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: GA

Complaint narrative:
Despite my diligent efforts, these issues persist unresolved. Enclosed is a copy of the letter I previously dispatched to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' It's crucial to note that I take this matter very seriously. Should you opt not to address my original request, sent via certified mail, I will not hesitate to escalate this matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will result in my insistence on the immediate removal of these items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Mortgage — Conventional home 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
We had a Wells Fargo Home Mortgage from XXXX. During the XXXX XXXX - from XXXX on - we were sometimes late with payments because I lost my job. A single late payment sent us into foreclosure by XXXX XXXXThey  demanded payment of a late fee and XXXX months of mortage payments -the past ( late ) month, the current month, and the next month. We were charged fraudulent Home Inspections fees and turned down for a loan modification. 
I was informed via postcard in XXXX that we were automatically enrolled in the class action suit for fradulent inspections fees and we only needed to make contact if we declined to be included. I heard nothing after this. 
Wells Fargo contacted us in XXXX because - unbeknownst to us- they had also fraudulently enrolled us in a " credit protection program ''. We got a {$500.00} XXXX  check in XXXX. 
This spurred me to track down the more important judgements against them for inspections and loan modification failure. We did not lose our house, but if not for my parent 's financial help, we would have. It nearly destroyed our relationship. 
They are unable or unwilling to give me any information on those settlements.

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 2024-04-16 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: PA

Complaint narrative:
After reviewing my XXXX and Experian credit reports, I can see information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. Please see attachments below

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 2024-04-16 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: OH

Complaint narrative:
Im a natural person and consumer please dont close and then just attaching documents they feel they are XXXX complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
XX/XX/XXXX I purchased a boat motor from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/year> I returned the motor because parts were missing and could not run. At this time he wrote me a refund of {$1000.00} for the cost of the motor. 
My XXXX bill ( rec, XX/XX/XXXX ) showed only a {$100.00} credit. ( Chase credit card ) I immediately called chase XXXX the a credit was coming for {$900.00} and I didn't want to pay the {$900.00} that my account shows. 
At the same time I talked to the merchant about it and he would credit my card the {$900.00}. 
XXXX XXXX he shows me credited me the {$900.00} on his XXXX XXXX Acct. 
XXXX XXXX I received letter I didn't have to pay the balance. 
XX/XX/XXXX I received a letter that my claim was invalid and they sent the merchant a credit to his acct. 
To this day the merchant has not received the refund back and does not what to give a another refund until he gets it back. 
XXXX has checked XXXX 's acct from XXXX through XXXX showing no credit. 
Numerous calls to Chase bank and gave me dates that the money was sent. 
XX/XX/year>, and added the $ XXXX to my card. XX/XX/XXXX and XX/XX/XXXX were also dates they said it was sent but could take up to 45 days to show. 
On a couple occasions they hung up on me. 
The merchant WON'T give me the refund until he receives his

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Most recent correspondence to Regions Bank : Although we were informed by a XXXX XXXX from Regions XXXX XXXX call Mortgage department that our home loan has now reverted back after the forgiveness/partial payment period during covid has ceased. This has not been the case. 

We were previously advised that this was held up due to XXXX affairs- through communication after XXXX of calls, because we do not reside in the residence the whole period,, XXXX XXXX could not accept the adjustment. 

However XXXX XXXX received an email XX/XX/XXXX from the mortgage department @ Regions that Regions have accepted the request and all monies for this period would be transferred to the end of the loan. 

We have not at any stage received confirmation after completing requested initial paperwork and being informed by the Regions XXXX in the branch, Nor have we received documentation that this partial payment period had ceased. 

The other issue is that Regions bank did NOT amend their records accordingly and have been charging late fees, affecting my XXXX XXXX during this whole period. 

We know now that we are expected to pay {$1100.00} at XXXX of every month moving forward. 

AGain this information has only been advised to us by us calling Regions and nothing had been received in writing. The initial application was done in XX/XX/XXXX. We have been contacting both Regions and XXXX XXXX, when we noticed the bank statements were not reflecting the change requested and accepted by REgions. 

I am asking that the mortgage department and REgions rectify the XXXX XXXX and adjust the period up until last week 's call to reflect the agreed forgiveness amount of approx {$850.00} in all history and paperwork. Effective the XXXX of XXXX the amount will be {$1100.00} moving forward. 


This has been a nightmare and we have spoken with multiple XXXX staff members to have no result. I am reaching out to you to see how you can assist us in this matter. It looks like litigation will be the only way moving forward. 


We have been renting a home in XXXX for XXXX years as we can not apply for a new loan as a result of Regions Banks incompetence. We have equity in the home in XXXX that we can utilise, howver until this is fixed we can not borrow against 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 non-monetary relief
Consumer complaint received 2024-04-16 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: PA

Complaint narrative:
XXXX XXXX has provided in accurate information on my credit report and which should be removed. on the month of XX/XX/2023 Theres no information process on the on my report which makes this report an accurate and needs to be removed report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: PA

Complaint narrative:
XXXX XXXX has provided in accurate information on my credit report and which should be removed. on the month of XX/XX/2023 Theres no information process on the on my report which makes this report an accurate and needs to be removed report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: PA

Complaint narrative:
XXXX XXXX has provided in accurate information on my credit report and which should be removed. on the month of XX/XX/year> Theres no information process on the on my report which makes this report an accurate and needs to be removed report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
While checking my XXXX XXXX i came across a debt that did not belong to me. I contacted to company to dispute the charges because its greatly impacting my XXXX XXXX. Acima Digital FKA SIMP XXXX XXXX for the amount of XXXX and XXXX XXXX XXXX # XXXX AMOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: TX

Complaint narrative:
On or about XX/XX/XXXX I contacted " XXXX '' to get my free credit reports from all 3 bureaus, but have not received them as of XX/XX/XXXX. So I went online, because I wanted to see the reports immediately. I was only able to access from Equifax online. Once i filled out my information, the report came and it was actually a report that belongs to my XXXX. Nothing on his report belongs to me, all of his personal information is on the report along with all of HIS accounts. I contacted Equifax the next day about the problem, but they did not have much to say, and claims no responsibilty to the problem. At that point I requested a paper printout of my report to be sent to me, which I received on or about XX/XX/XXXX. After reviewing my paper report, everything looks fine. It does not have my XXXX information on that report. On XX/XX/XXXX I received another paper report from Equifax with my name and address, so I opened the envelope, and AGAIN it is my XXXX CREDIT REPORT! So I contacted Equifax about this AGAIN to explain the problem and ask when they will fix the issue, and of course, they want me to send copies of my license, birth certificate, social security card, etc. I explained to them that I already sent them that information XXXX weeks ago, in order for them to send my paper report. They responded by saying they dont have my information? They are " slow walking '' their mistakes and costing me VALUABLE TIME at this point. Im trying to get a loan, but when lenders go to pull my information they either get my XXXX credit report, or NO MATCH! I am absolutely updet with this issue, and EQUIFAX refuses to correct the problem PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: W&A Intermediate Co., LLC
State: IL

Complaint narrative:
pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as WAKEFIELD & ASSOCIATES XXXX is to be expunged from the report. Additionally, in accordance with 15 USC 1681c-2, all inquiries are mandated to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: PA

Complaint narrative:
After reviewing my TransUnion and XXXX credit reports, I can see information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. Please see attachments below

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 2024-04-16 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: GA

Complaint narrative:
Despite my diligent efforts, these issues persist unresolved. Enclosed is a copy of the letter I previously dispatched to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " XXXX '' or " irrelevant. '' It's crucial to note that I take this matter very seriously. Should you opt not to address my original request, sent via certified mail, I will not hesitate to escalate this matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will result in my insistence on the immediate removal of these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I was in a process of a payment deferral review since XX/XX/2024. It was completed recently. There was a miscommunication between loss mitigation and another department in regards to reporting my account as delinquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation