vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 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: IL

Complaint narrative:
Good Morning, I am submitting a complaint in regards to PSLF counts not being updated properly in a timely manner. There have been numerous borrowers that have similar timeframe as myself that had there counts updated. Instead, Ive been told another 90 business days from Mohela. 

Below is my timeframe. 

XX/XX/XXXX : Used PSLF tool helper to generate PSLF certifcation/waiver application. Submitted via mail PSLF certification/waiver along with consolidation. Received/Processed XX/XX/XXXX. 

XX/XX/XXXX : XXXX  reports missing handwritten signature, which was resent back the same day. Per XXXX, XX/XX/XXXX received missing documents/processed. 

XX/XX/XXXX : Transferred to Mohela and loans dispersed XX/XX/XXXX. XXXX Mohela website, PSLF application states it was processed on XX/XX/XXXX. Employment approved/verified. 

XX/XX/XXXX : Called Mohela to inquire on status with PSLF Waiver counts. Per PSLF specialist, able to verify approved PSLF employment. States it will be an additional 90 days starting XX/XX/XXXX. Informed specialist that there have been numerous people that have had waiver counts completed with similar timeline and asked why another 90 business days. However, specialist was unable to give proper answer on why the clock was resetting back to 90 business days.

I would like an update on the situation as there hasn't been a good answer on whether my application is under review so that I verify accuracy of PSLF counts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
MR. COOPER SERVICING PAYMENTS DOES NOT COMMUNICATE WITH THE INSURANCE SIDE EVEN WITH REPEATED EMAILS AND UPLOADS OF ISURANCE POLICIES TO ON THEIR WEBSITE. FIRST, I DO NOT ESCROW. MY FORMER HAZARD CANCELED XX/XX/2022. I IMMEDIATELY GOT A NEW POLICY, EFFECTIVE XX/XX/2022. MY POLICY HAS BEEN REPEATEDLY SENT BY THE INSURANCE COMPANY AND MYSELF TO MR COOPER. HOWEVER, THEY TRIED TO FORCE PLACE INSURANCE ON ME AND SENT A SMALL PAYMENT TO THE INSURANCE COMPANY WHICH DID NOT EVEN COVER THE POLICY BUT WAS SENT BACK BY THE INSURANCE COPANY AS I DO NOT ESCROW. THIS WAS CALLED TO THEIR ATTENTION ON BOTH SIDES OF SERVICING WITH INSURANCE. I RECEIVE EMAILS FROM INSURANCE SAYING NO FURTHER ACTION IS REQUIRED. HOWEVER, SERVICING STILL HAS AN ESCROW PAYMENT AND NOW LATE PAYMENT AND ARE NOW DAMAGING MY CREDIT. I HAVE BEEN WITH MR COOPER FOR XXXX  YRS AND I HAVE NEVER BEEN LATE OR HAD ANY INSURANCE LAPSE. I HAVE RECEIVED EMAILS FROM THE INSURANCE SIDE THAT NO FURTHER ACTION IS NEEDED BUT SERVICING IS ADDING ADDITIONAL ESCROW PAYMENT AND NOW LATE FEES. I HAVE TRIED OVER AND OVER TO CORRECT THIS AND I CAN NOT GET ANYWHERE AND NOW MY CREDIT IS BEING DAMAGED. I WANT THIS CORRECTED ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
This is a response to XXXX. Still working on it? They should have taken care of this three weeks ago. Once I notified them that they did not process my bonus on XX/XX/XXXX that they said they would pay me when I opened the account in XXXX, they should have simply processed the bonus. How long should that take? Additional punitive damages should be assessed.

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 monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, 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:
Collection Agency XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Account Number XXXX 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.

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
Received e-mail from Ally Bank on XX/XX/XXXX advertising a Cash Bonus program. If I was to transfer {$50000.00} from an outside source into a new Ally Online Savings Account before XX/XX/XXXX, I would receive a {$500.00} bonus ( 1 % ) as long as I didn't withdraw the funds until after XX/XX/XXXX. The bonus would be deposited by XX/XX/XXXX. I did everything exactly as the terms dictated. I didn't even withdraw funds until after XX/XX/XXXX, which was supposed to be the actual crediting date. When the Bonus didn't appear in my account, I called Ally twice on XX/XX/XXXX and again on XX/XX/XXXX and also submitted an internal written online message on each of those days. They said there was a glitch in the system and that it would be resolved within 7-10 business days. Today is XX/XX/XXXX and the issue is still outstanding.

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 monetary relief
Consumer complaint received 2023-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have noticed this incorrect item appeared in my report. I don't know how they can validate this information and put it on my file, but this isn't mine. This is negatively affect me and my scores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have noticed this incorrect item appeared in my report. I don't know how they can validate this information and put it on my file, but this isn't mine. This is negatively affect me and my scores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I got an email from Bridgecrest I will attach it to this complaint for review it says make a payment of {$350.00} before XXXX XXXX  or it will be reported 30 days late. No problem I made the payment on XX/XX/XXXX at XXXXXXXX XXXX I will attach the receipt. Now I got alert from the credit burus that bridgecrest reported this loan 30 days late because of {$39.00} past due but thats not what they wrote in the email I paid them what they ask for actually a little over. This is not right I want them to reverse this because they lied to me in the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NVR INC.
State: PA

Complaint narrative:
My complaint involves acts of mortgage fraud. I am showing that NVR mortgage did not following proper guidelines established by FHA regulations. 

The following attachments are : Timeline : A description of events that took place during my mortgage process XXXX XXXX : All communication involving my mortgage NVR Documents : All documentation that I received for NVR MortgageXXXX XXXX XXXX XXXX Purchase Agreement : Purchase Agreement for XXXX XXXX Please be aware as of XX/XX/2023, this property has been sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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 — Their investigation did not fix an error on your report
Company: Frontline Asset Strategies, LLC
State: SC

Complaint narrative:
My credit score was reduced because of a so-called nonpayment. I specifically told XXXX not to send router or sign me up for their services. ( I have an email that states that ) I appealed 4 times to XXXX which denied my dispute. I contacted them and the collection agency and XXXX to no avail. My credit rating has always been XXXX before this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Avadyne Health Holdings, Inc
State: IA

Complaint narrative:
I was sent into collections from XXXX XXXX on XX/XX/2022 and on the same day I made a payment. I was always sent a reminder in the mail to make a payment and instead of trying to contact me to get this resolved they just turned me into collections. No phone call no mail nothing and on top of that XXXX Accounts the debt collection agency never notified me of any such collection. Again, no phone call, no mail nothing!!! Tried to rectify the situation with the doctors office and they would not even accept a {$50.00} payment from me to try and pay off my bill with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
In an attempt to refinance my home in XXXX, I contacted XXXX XXXX XXXX as a XXXX party. I spent a few months paying my mortgage through them, being told by Mr. Cooper offices that I could not speak with them directly anymore since I now have a 3rd party. A few months pass and XXXX XXXX XXXX has in fact not been sending my payments to Mr. Cooper on behalf me and I was being scammed. In an attempt to solve this problem I sent in a notice by e-mail to XXXX XXXX offices to remove XXXX XXXX XXXX from my account and to stop all contact with them immediately, on XX/XX/XXXX of XXXX. Instead this notice was clearly ignored for multi months on end until XXXX of XXXX, where I had to call them endlessly and send a second letter of notice. All the while they have continued to not accept my monthly payments and increasing my past-due amount up to {$19000.00}. And on the phone I am receiving conflicting information that this amount being shown on paper and online may be wrong and I might in fact owe up to, if not more than, {$20000.00}. They have forcible put me in a situation where they I could not possible pay my missed payments in time before a full foreclosure sets in. Mr. Cooper is actively attempting to prevent my from catching up on my mortgage after I have notified multiple times that I have been scammed and all forms of paperwork should be sent to me at the property address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
I am writing to dispute the following information in my file. 

Two XXXX XXXX accounts with the same account numbers XXXX are reporting inaccurately on my credit report with two different open dates, and credit limits. Duplicating account information like this is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 

Please investigate this matter and delete as soon as possible. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Collection Agency : Southwest Credit Original Lender : XXXX XXXX XXXX XXXX XXXX ) Date Assigned to Collection Agency : XX/XX/XXXX Amount owed {$360.00} ***I have disputed this account with XXXX XXXX XXXX and XXXX previously. All disputes came back as the debt is verified as mine. I have called XXXX. XXXX has no record of me either previously or currently owing any debt to them. On XX/XX/XXXX, I spent over an hour on the phone with XXXX. XXXX shows no record of me owing this to their Roadside, Membership, Insurance department, this was also investigated by a XXXX  XXXX who was not able to return any information for this debt. XXXX further says that they do not use Southwest Credit as their collection agency and only uses XXXX for collections, and that this debt must have been sold to Southwest. I requested for XXXX to send/email me this information, that they have no record of me ever owing them. I requested this so that I could send it to the collection agencies to have this debt deleted. XXXX states they would not be able to provide me with a letter stating this. XXXX states they need more information on the debt and suggests that I call XXXX to collect more information and then to call XXXX back with this information so they can research it further. I told the representative at XXXX that it seems they are wanting me to provide proof that I owe this when the burden of proof should be on their company since they are listed as the lender for this debt on my credit reports. 

***I called XXXX XXXX XX/XX/XXXX. XXXX says they have no record of any debt assigned to my name and that they do not sell their accounts from XXXX and suggests I call XXXX for this issue. 

***I called Southwest Credit on XX/XX/XXXX. Southwest was only able to provide a file number, amount owed and date of delinquency and asked how I would like to pay the amount owed. Southwest states they do not have any further information to provide. The representative also states that XXXX does use Southwest for collections and that he is not sure why XXXX would say they do not use their company. The rep at Southwest then referred me to their XXXX XXXX department where I could leave a voicemail for someone to contact me regarding this debt. I did leave that voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I got an email from XXXX I will attach it to this complaint for review it says make a payment of {$350.00} before XXXXXXXX XXXX  or it will be reported 30 days late. No problem I made the payment on XX/XX/XXXX at XXXXXXXX XXXX I will attach the receipt. Now I got alert from the credit burus that bridgecrest reported this loan 30 days late because of {$39.00} past due but thats not what they wrote in the email I paid them what they ask for actually a little over. This is not right I want them to reverse this because they lied to me in the email.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 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: CA

Complaint narrative:
On XX/XX/XXXX I got an email from XXXX I will attach it to this complaint for review it says make a payment of {$350.00} before XXXX XXXX or it will be reported 30 days late. No problem I made the payment on XX/XX/XXXX at XXXXXXXX XXXX I will attach the receipt. Now I got alert from the credit burus that bridgecrest reported this loan 30 days late because of {$39.00} past due but thats not what they wrote in the email I paid them what they ask for actually a little over. This is not right I want them to reverse this because they lied to me in the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: CA

Complaint narrative:
On XX/XX/XXXX I got an email from XXXX I will attach it to this complaint for review it says make a payment of {$350.00} before XXXXXXXX XXXX or it will be reported 30 days late. No problem I made the payment on XX/XX/XXXX at XXXXXXXX XXXX I will attach the receipt. Now I got alert from the credit burus that bridgecrest reported this loan 30 days late because of {$39.00} past due but thats not what they wrote in the email I paid them what they ask for actually a little over. This is not right I want them to reverse this because they lied to me in the email.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
As dated, XX/XX/2023, I'm aware TransUnion, LLC furnish my Consumer Report without permissible purpose that's not allowed by law. See attachments. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On equifax website its showing a credit score from XXXX/2021 when I sign in it states call equifax with code XXXX Ive called equifax 4x and this matter has not been resolved. They said they submitted a ticket months ago yet nothing have not been done I called to speak to supervisor representative hung up on me. Now Im filing a complaint if Im to review my report at least show accurate information. The report is showing a credit score from 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX and it is impossible to update my name with the credit reporting agencies. I had my name legally changed seven years ago and updated everything - SSNs, driver 's license, birth certificate, passport, etc. I'm now in the process of closing on my first home and am unable to lock in my mortgage because Equifax won't process my name change, despite me providing a copy of my legal name change order, my updated social security card, and license. Please help. I am desperate and it is unfathomably cruel that this agency can hold this name change over my head while denying me my ability to move forward with the purchase of my first home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CURO Intermediate Holdings
State: WI

Complaint narrative:
this was discharged in a XXXX XXXX bankruptcy in 2019

Company response to consumer: Closed with explanation