vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: NY

Complaint narrative:
To whom it May concern Dear Sir/Madam Recently in XXXX my student loan servicer XXXX, account # XXXX, transferred my loan remaining loan balance to another student loan servicer Edfinancial, acct # XXXX. 
I believe this XXXX student loan transfer to a different servicer Edfinancial was only done for financial reason since XXXX was aware my employer XXXX XXXX XXXX  who had contacted them was in the process of paying of my loan balance with XXXX through a special student loan payoff program for federal employees. 
My employer notified me beginning of XXXX they had received notification communication from XXXX that my student loan balance had been transferred to Edfinancial. 
After registering my account with Edfinancial thereafter ; on XX/XX/XXXX, I reached out to Edfinancial for a Loan verification letter to update my loan payment application with my employer, as per my employer. I spoke with customer service rep XXXX requesting a loan verification letter and that I wish for it to be sent to myself electronically via e-mail same day, ( This is something I have always requested and received from all my previous other student loan servicers including XXXX ). 
However, on this occasion Customer rep XXXX advised me the electronic letter would take 7 days to be sent to my e-mail. He didnt not offer any reason for this length of time to issue details Edfinancial easily have on hand. After waiting 10 days not receieveing anything ; Today XX/XX/2024 I reached to Edfinancial again for an update. This time I was advised by another customer rep XXXX that the wait time for an electronic loan verification letter is 7-10 business days. 
This is totally fraudulent business practices on the part of Edfinancial student loan servicer, it would seem to me they are deliberately dragging out the time my employer could attempt to pay my remaining loan balance whether for receiving more interest and having me with them long enough to register an account and start the repayment process to get some kind of federal credit with amount of people in there system in repayment status, Im not quite sure but I do not it is to gain more financial leverage from people whom Edfinancial is there loan servicer. 
I am requesting your help, and investigation on the matter, both from expediting consumers loan verification letter requests and payoff process, from this unscrupulous student loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: PA

Complaint narrative:
I do not wish to contract with experian. If these accounts are not removed. i will follow up and with a letter to cure and also a ntice of lawsuit. It is againt the fcra to furnish anything onto my credit report withoiut my consent. & i have never done business with experian. If i have please send contract. if not remove XXXX XXXX, XXXX XXXX and XXXX. i will give 30 days then i will follow up with letters sent certified mail to start my lawsuit process.

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 2024-06-24 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: SC

Complaint narrative:
Recently i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) accuracy of report Whenever a consumer report agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under the paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified 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 the information that the information has been modified or deleted from the file of the consumer. 

XXXX  XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$590.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX XXXX XXXX  Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$670.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$480.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$770.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$1900.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX Start a dispute XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$2900.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX XXXX  Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$340.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number 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 2024-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Mr Cooper Mortgage servicing is transferring servicing from their old servicing system ( at XXXX ) to a new one. They sent out an email telling everyone that we were no longer going to be serviced by Mr Cooper, but will instead be serviced by Mr Cooper ( yes, it reads weirdly, but that was their email and USPS mail statement ), and that we'd have new account numbers and payment information, and to watch for the new info. 

Today I got an email from them saying welcome to your new " first class experience '', but they addressed me as XXXX in the email. Which is not my name. Below, they had information showing old mortgage number and new number, and encouraged me to click through to my new account, which I did using the new mortgage number shown. ( PDF attached of the email. ) What I found was NOT my mortgage. The payment and amount is smaller, the interest rate is higher, and I realized that I was looking at someone else 's XXXX - personal financial information. ( XXXX  attached. ) I went back to the email and noted that the old mortgage number was not the same as mine either. I contacted Mr Cooper by chat - no phone number contact info provided by them - and after some back and forth with them saying how this wasn't serious, was told that they XXXX have sent out a number of emails to the wrong people with the wrong mortgage data. As someone who knows this business ( in financial services for 20 years ) odds are high that they sent XXXX 's of thousands of emails to the wrong people, exposing the XXXX of hundreds of thousands of customers. When I said that the rep in chat said that they were going to recall the emails, which by and large is an impossibility. I got no answer to how they were going to protect me from the risks of disclosing my information. 

They refused to connect me with someone there to talk about how they were going to protect me from any risks of this, or to work with me to define what my risks might be. This is about as far from a first class experience as I could imagine.

Please let me know what my options are for getting protection against any risks of identity or financial fraud from this disclosure, and please, please, please get them to stop if they haven't already stopped sending out more wrong emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: CT

Complaint narrative:
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 XXXXXXXX All these account were paid and these companies have been cashing the check and then redeeming the coupon which is called double-dipping!!!!!

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 2024-06-24 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: CT

Complaint narrative:
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 All these account were paid and these companies have been cashing the check and then redeeming the coupon which is called double-dipping!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the
standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I asked them to remove my mortgage insurance. My loan is being serviced by penny mac but is backed by Fannie Mae. Fannie may says if I pay my mortgage down below XXXX  % and am current they must remove my PMI and they can not charge me for the appraisal. on XX/XX/23 I paid the mortgage down to 74 % XXXX. The mortgage insurance should have been removed per Fannie Mae guidelines and the documents I signed at the mortgage table. I have called multiple times. I have spoken to manager and senior manager. my original mortgage company reached out to Penny mac and escalated the issue. They are still refusing to remove it without XXXX paying for another reappraisal. This is against Fannie Mae 's protocol and against the Closing documents I signed. I am fine with them inspecting the property but they can not charge me for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to follow up on my previous dispute regarding unauthorized hard inquiries on my credit report. Despite my initial request, I have yet to receive a satisfactory resolution from Equifax. In contrast, both XXXX and XXXX promptly addressed my concerns and removed the unauthorized hard inquiries from my credit reports upon my first request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: 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 Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX  has violated my rights XXXX Or a list of inquiries : 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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
For the last 6 months i have been trying to remove negative items off of my credit report.. the accounts attached are not reporting accurate and is a violation of 1681e ( b ) ( b ) .. after disputing i get hit with either stall letters OR being told that my accounts are verified and accurate but they are still reporting inaccurately.. 

When told to validate the verification under XXXX i continuously get the run around or not provided the information.. if this cant be provided then by law the accounts in question need to be deleted.. also the accounts that have been disputed have not been reflected on my credit report and it has been way past 30 days.. ( which is a violation of XXXX ( XXXX ) )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: GA

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 Number : XXXX Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 Number : XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account XXXX Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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