vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
In XX/XX/XXXX I applied to XXXX XXXX for a forebearance due to covid19 situation which affected my income. 
I was assured no negative marks would be reported to my credit and that it would not affect my credit in any way. 
I was making partial payments along the way from XXXX XXXX. 
In XX/XX/XXXX I notified XXXX XXXX that I had started earning income again and wanted to start making regular payments at which time they approved a loan modification but did not reduce my 6.875 % interest rate. 
Instead, the tacked on the interest payments I was behind on and my payment went UP instead of down. 
They delayed in sending out my loan modification package for 2.5 months. I did not receive the package until XX/XX/XXXX, after several phone calls I made to remind them I was still waiting on the package. 
I signed the modification and made my first high payment in XX/XX/XXXX and have not been late since. 
In XXXX of XXXX I applied for a refinance with another lender so that I could reduce my 6.875 % rate to 4 %. To my surprise my credit report shows that I did not make any payments at all from XX/XX/XXXX through XX/XX/XXXX. I then asked XXXX to make this right and fix my credit file AND to fill out a VOM ( verification of mortgage ). I called for 3 weeks until I finally received this form ( see attached ). They reported I am delinquent and have multiple late payments. 
This has ruined my chances of getting a lower payment as I was approved for a 4 % rate subject to XXXX providing a satisfactory VOM. 
This is not what they promised and I can not afford this high rate of 6.875 %. I don't want to lose my home. 
Please help me resolve this by getting the VOM to reflect the account is in good standing and there are no late payments. 
Thank you. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is the 4 time I have requested documents for a disputed account and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owned by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. The accounts that are in error are as followed : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is the 4 time I have requested documents for a disputed account and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owned by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. The accounts that are in error are as followed : 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

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 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have inquiries on my credit profile that were not made by me. I have been in contact with the credit bureaus and they have not resolved this issue. I would like all these incorrect inquiries to be removed from my credit report. Please see info below : XXXX XXXX SSN : XXXX XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Coaf- XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank- XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have inquiries on my credit profile that were not made by me. I have been in contact with the credit bureaus and they have not resolved this issue. I would like all these incorrect inquiries to be removed from my credit report. Please see info below : XXXX XXXX SSN : XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto- XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX Bank- XX/XX/XXXX XXXX XXXX Bank- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: MA

Complaint narrative:
Over the course of XX/XX/XXXX through XXXX of XXXX, I began to make significant payments on my 12 student loans through Fedloan. I paid off all twelve using the " request final payoff '' option over this time period. I received PAID IN FULL notifications for each of them. I made my last pay off payment in XXXX of XXXX. My account reflected a balance of {$0.00} for all 12 of my loans, and again, I had received PAID IN FULL pdf documents for each of them. I monitored this for about a month afterwards through XXXX of XXXX. 

Earlier this month, XX/XX/XXXX, I logged into my Fedloan account to get my tax information for the previous year. I was shocked to see a sudden total balance of {$250.00} XXXX principal and interest ) for 8 of the 12 original loans. 

I called Fedloan the next morning and after much arguing, the representative realized she could see the PAID IN FULL statements sent out on behalf of Fedloan in my account/document history, and she deferred it to lead review number 463. I called back the next week to see if there were any updates and the review team had closed it without explanation. I had the representative put it into review a second time, number 467, this time with proof of my paid in full notifications and a copy of one of the paid in full PDFs. It seems FedLoad is now stalling on acknowledging that an error has been made on their behalf. After calling again today, XX/XX/XXXX, it seems they are just further stalling on coming to a conclusion on how this happened and clearing my balance. Again, I have proof that all of these loans are indeed PAID IN FULL and should not have any balance at all. FedLoan also acknowledges they have copies of these documents on their end but they are stalling to fix the problem and clear the balance. 

Attached is a copy of one of the 8 loans ' PAID IN FULL statement, along with a screenshot of the email notifications for my other loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THIS IS XXXX XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! 
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they have to be deleted. Filing for litigation due to the stress would be the next step for me to take. The wrong person my have used information which was impacted by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: PR

Complaint narrative:
Saludos ... 

I am a XXXX  Citizen resident of XXXX XXXX, XXXX. Navient purchased my student loans many years ago. I have not missed payments, except that I do miss the datelines from time to time because of the way I am paid by my professional services. Now, as soon as the payment deadline goes over one day, I immediately start receiving calls several times a day, over half a dozen times regardless of me explaining that payment will be issued within X amount of days, next day, etc. I keep mentioning to " the next call '' that I already spoken to an officer but to no avail. Last answer by them when I asked for a reason why they keep calling the same day several times a day is " that the law let them call 8 times per day ''. Is this is just like that even after talking to one of them?

Please advice ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I have had a lease with Hyundai/Kia financing since XXXX of XXXX. My lease is set to be completed XX/XX/XXXX. Due to the changing size of our family we need a bigger vehicle and I contacted Kia to figure out how to get out of my lease. Upon contacting them for several weeks about statements and an audit ( as of today I still have not received those statements ). The last payment I sent in XX/XX/XXXX was for {$1100.00} cents which made my account current. Imagine my surprise when I logged in I was notified a few days ago after disputing a balance of my account that I was still delinquent. How??? No one could explain until I was able to speak to a manager only after my husband called to speak to someone after I had been transferred over 5 times and hung up on several times. The manager after several moments informed me that I had a missing payment from XX/XX/XXXX! I was livid considering that I had paid not even 14 days before and asks what my balance was so that I could be current. She proceeded to tell me that Kia does not call customers if they are behind on bills or if one is missing .... I am sure that can not be right. I called again XX/XX/XXXX and spoke to XXXX who told me she saw I was current from the last payment and that she would contact the payment department but it would take at least 30 days to correct ... I would also need to call in for a status because they do not call out anyone ... I have retained a buyer but Kia would not give them more than 24 hours on the payout quote. When I asked I was told it was because it was right before a cycle and cycles are different on leases. I am trying to do the right thing but I refuse to pay a " bill '' from almost two years ago that I was never notified of. All I want is to get rid of this car and hold Kia accountable for their lack of customer service and due diligence. In the midst of a pandemic I am still trying to make sure that I am taking care of may responsibilities they need to as well.

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 2021-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: AZ

Complaint narrative:
I started my refinance process for my house with Guaranteed Rate. My Loan consultant was XXXX XXXX XXXX ID : XXXX. I paid a {$500.00} deposit for the appraisal which was originally {$470.00}. The Loan consultant said that i would get the money back even if i decided to cancel my application. I felt that this agent was very misleading with his word. Im afraid he been taking advantages of other peoples just like he did with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to properly investigate my XXXX XXXX Account. this company has reported me 30 days late consecutively from XX/XX/XXXX to XX/XX/XXXX and also on XXXX of XXXX. Not only did I pay on time but I overpaid every month. I have attached my payment history provided to me directly from XXXX XXXX XXXX XXXX as proof. Update and correct this account immediately.

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 2021-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Equifax and XXXX  are report XXXX XXXX XXXX XXXX XXXX {$620.00} debt thats not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax ; XXXX  and XXXX  are incorrectly reporting me ( 60 plus ) days late for XXXX, XXXX and XXXX, 2019 on the XXXX Bank partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a letter from XXXX Bank wherein they provided me with incorrect information regarding the availability of escrow funds and due to this oversight, lates consequently were reported. XXXX Bank submitted a request to the bureaus to remove the negative credit reporting for XXXX, XXXX and XXXX, 2019. Unfortunately, the bureaus have not yet removed the lates that are still reporting. This false reporting of lates is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Equifax ; XXXX  and XXXX  are incorrectly reporting me ( 60 plus ) days late for XXXX, XXXX and XXXX, 2019 on the XXXX Bank partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a letter from XXXX Bank wherein they provided me with incorrect information regarding the availability of escrow funds and due to this oversight, lates consequently were reported. XXXX Bank submitted a request to the bureaus to remove the negative credit reporting for XXXX, XXXX and XXXX, 2019. Unfortunately, the bureaus have not yet removed the lates that are still reporting. This false reporting of lates is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I have a loan backed by FHA. I had 2 XXXX  in my family in a short time period and was financially impacted by trying to give them a proper burial. I then fell behind on my mortgage. I attempted to modify the loan however Flagstar denied any assistance. I then was unable to work when the COVID pandemic began and asked to be put on the forbearance under the CARES act. Flagstar did allow that. I am now back to work and applied for a modification. I am self employed and my income goes through my personal bank account. I wrote a letter of explanation explaining that all my income went through my personal account. Flagstar requested a profit and loss. I explained that I had sent one last Friday. I was then told that it was too dark due to faxing it and there was no email I was able to send it to rending me unable to comply with the request. I have sent documents two and sometimes three times. I am told I am in underwriting and then call a couple days later and they have an entire new list of documents. I believe Flagstar is intentionally not moving this file to underwriting. Today, they are having me write a letter that there is no income other than what I put on the application. I believe these are stall tactics and I am not receiving a fair review. Also, I am aware that FHA is offering partial claims, Flagstar is refusing to submit me to FHA for a review for a partial claim, even though my past due is less than 30 % of balance.

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 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I made a payment on XX/XX/21 and they confirm that they have received payment on that date but claim that it is on hold for security reasons and that hold will be released after 21 days from payment.

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 2021-04-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Good day, My son obtained a loan from XXXX XXXX in the Fall of 2018. Recently XXXX XXXX sold off the loan to Firstmark Services. We were under the Federal loan forbearance with XXXX XXXX, of which Firstmark Services is now trying to collect the debt. 

Are these loans still under Federal forbearance or can they now just claim them as private loans? 

Thanks for any additional information. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
We currently have a mortgage serviced by Select Portfolio Servicing. When we purchased the home in XXXX, we had an FHA loan. ( Deed of Trust attached ) Since the CARES Act provided for relief for FHA mortgages in the form of forbearance for those affected by COVID 19, we contacted Select Portfolio to apply for the forbearance program. We were told by Select Portfolio that this was no longer an FHA loan. We contacted the FHA servicing center and were told that the loan was " satifisfied '' in XXXX. This was done without our knowledge and consent. By changing our loan from an FHA loan we are no longer offered the protection that an FHA loan provides. This places us at a significant disadvantage in our attempts to modify our loan and remain in our home.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC

Complaint narrative:
After creating my GEMINI online account. They don't want to verify my account, as well as my identity, in order to make transactions. I obviously sent all the necessary documents.

This has been going on for over 2 weeks.

Company response to consumer: Closed with explanation