vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-26 00:00:00
Product: Mortgage — FHA 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: NEW YORK COMMUNITY BANCORP INC
State: PA

Complaint narrative:
I applied for a loan Modification when I first started my XXXX XXXX in XXXX of this year. I was informed that the process could take up to XXXX weeks. I was experiencing a reduction in hours that caused me to fall behind in my bills and was looking for a way to make my monthly mortgage payment more affordable. I wasn't able to pay my mortgage for 2 months during the time I applied and was informed by the representees which are recorded conversations that if I did, I would be disqualified for the modification. I sent in all requested documents to support my Hardship and after XXXX weeks was approved for a partial modification where I had to do XXXX XXXX payments of the same amount I was already paying. That wasn't helpful to me as I was already in a bind paying that amount on the regular. I submitted an Appeal on the decision in XXXX and after 37 days was denied due to FHA loan restrictions. I called every day when the Appeal was pending and was told several different things about why it was taking so long, or why it might not get approved. My Appeal has been denied and now I am experiencing the same Hardship. 
I don't believe this lender did everything they could to really help me. I feel like they took the latter route because they didn't want to lose any money.

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 2023-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
My loans were transferred to MOHELA from the Dept of Education after applying for the Loan forgiveness program. I have tried calling Mohela prior to the start of the loan repayment begin date and I have never been able to get anyone on the phone. Ive tried calling in the morning, afternoon and evening. Doesnt make a difference. I have questions that Id like answers to that I cant find on any website. They have an announcement when you call or view the phone app or website about the increased volume but that shouldnt stop them from running their business. Its unfair for customers to not have access to a live customer service representative because the company hasnt planned well to accommodate the increased number of calls. I have written emails with no answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: NE

Complaint narrative:
I have been approved for homestead exemption on my property taxes due to my limited income so every year I would receive the taxes back until last last year XXXX and this year XXXX. When I called about this, they have no idea what is going on and want to do an investigation. I have their paperwork showing that there is money held under property tax. 
This has caused financial hardship for me trying to stay on track with my payments. 
I have also asked for the monthly statements to reflect accurate numbers and they have not been able to do so. 
They have told me that I am in escrow shortage which with the next payment I make next week that will not be true and they want me to increase my mortgage payments which is uncalled for. 
I have showed these mortgage papers to another bank who told me that the bank holding my mortgage has mistakes in the statement and is holding money they should not have.

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 2023-10-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2023-10-26 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: OH

Complaint narrative:
XXXX card account number XXXX balance reporting incorrectly for XXXX for Month of XX/XX/2023. However, balance is currently at a XXXX ( XXXX  ) 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 non-monetary relief
Consumer complaint received 2023-10-26 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: PA

Complaint narrative:
This is another request for FCRA Method of Verification 611 ( a ) ( 7 ) / FCRA 611 ( ( 6 ) a ) ( B ) ( ii ) Trans Union has ignored my first request.

Please be advised I am exercising my rights under 611 ( a ) ( 6 ) ( B ) ( ii ) which provides a consumer may request " a description of the procedure used to determine the Accuracy and Completeness of the information shall be provided to the consumer by the agency, including the business name and address of any FURNISHER of the information and the telephone number of such FURNISHER, if reasonably available. 



Re : XXXX # XXXX......... that I initially disputed via CFPB Complaint # XXXX XXXX on XXXX/XXXX/223. The basis of my dispute was the XXXX XXXX XXXX XXXX XXXX XXXX which provides me a right to notice before my non public personal information can be reported and Title XXXX XXXX XXXX ( a ) ( XXXX ). I received notice on XX/XX/2023 that this information that is not suppose to be on my consumer reports in the first place without my instructions has been updated again. This is another violation of my Privacy Rights violating XXXX XXXX XXXX. 
Section XXXX which states I have a right to privacy, Section XXXX which states a credit reporting agency can not report an account without my permission. 
I submitted on XX/XX/2023 CFPB # XXXX requesting a Description of the Procedures used to determine and come to a conclusion that this account be updated. 

Trans Union IGNORED my request!! 

Trans Union Failed to provide a copy of the evidence that I requested substantiating their claims. I am requesting the XXXX of XXXX and you have not complied Please provide XXXX XXXX XXXX under XXXX ( a ) ( XXXX ) within 15 days or remove this account. I will contact the FTC and every agency that will listen as well as eventually take you to court seeking damages regarding this matter. Remove this account!

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 2023-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TRANSUNION Regarding Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Method of Verification Confirmation To Whom It May Concern, The account ( s ) above, which claims that ( state the derogatory circumstance ) e.g. what you owe if it was charged off and place amounts in this part ) concerns me. This is notification that I formally dispute this claim. 

Pursuant to local state laws as well as the FDCP and FCRA, Im requesting validation with proficient contractual evidence bearing my signature obligating me to pay your company. 

Please note that I can seek remedy due to FCRA and FCDP violations if a negative entry is placed on my credit report with XXXX, Transunion and XXXX from a debt I do not owe. Also, if that debt is not validated with physical evidence, it must be deleted from my credit reports. 

To prevent me from taking such action, Im asking that you request that those negative entries be deleted, if there were placed on my credit reports pending the outcome of the evidence you will provide. Not doing so without this evidence, injures me and I could be entitled {$1000.00} per violations for damages. 

I will seek these damages on the grounds of : Negligent Enablement of Impostor Fraud Defamation Violation of the FCRA including but limited to 623 ( b ) Furnishers ' Investigation of Disputes Filed with CRAs Duties failures under CFPB Regulation V Violations of the FDCP including but limited to Section 807. False or misleading representations subsection 8 The goal is to correct the records and a request for information only. This is not a statement, determination or waiver of status. Just know that any information provided will be used as evidence towards any additional action that is necessary.

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 2023-10-26 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: NY

Complaint narrative:
EXPERIAN and TD BANK received non public private information in the form of a credit application as a security collateral to receive credit for my consumer for family and personal needs. TD BANK with the help from EXPERIAN used the XXXX XXXX scam to discriminate against my person and block my person from trade and commerce by violating my inalienable right to credit while the consumer is practicing good faith in doing so. EXPERIAN and TD BANK must be receiving kickbacks from the adverse action giving to consumers practicing good faith and their right to credit. EXPERIAN remove inaccurate inquiries from my consumer profile placed by TD BANK on XX/XX/XXXX and XX/XX/XXXX both inquiries are results of identity theft and unauthorized consumer credit transactions which no consent was released. as a living man, I believe that my property is being administered without my consent, and I require the immediate restoration of said property or I will be charging a dollar per second until the remedy is given. My application that I endorsed not as an accommodation to the party not as joinder or surety but as a creditor/beneficiary in my private capacity. The injurys caused by adverse action hindering my rights as the original creditor giving his energy to obtain credit has caused severe damages in real time and I demand restoration. This is my notice to EXPERIAN and XXXX BANK for the violation of the EQUAL CREDIT OPPORTUNITY ACT and CONSUMER CREDIT PROTECTION ACT along with withholding my securities committing securities fraud. Release my application for credit and return the application for credit. I revoke restrict rescind retract all interest or proceeds or anything of value from TD BANK and have it returned to the original creditor.

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 2023-10-26 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX and TD BANK received non public private information in the form of a credit application as a security collateral to receive credit for my consumer for family and personal needs. TD BANK with the help from XXXX used the XXXX XXXX scam to discriminate against my person and block my person from trade and commerce by violating my inalienable right to credit while the consumer is practicing good faith in doing so. XXXX and TD BANK must be receiving kickbacks from the adverse action giving to consumers practicing good faith and their right to credit. XXXX remove inaccurate inquiries from my consumer profile placed by TD BANK on XX/XX/XXXX and XX/XX/XXXX both inquiries are results of identity theft and unauthorized consumer credit transactions which no consent was released. as a living man, I believe that my property is being administered without my consent, and I require the immediate restoration of said property or I will be charging a dollar per second until the remedy is given. My application that I endorsed not as an accommodation to the party not as joinder or surety but as a creditor/beneficiary in my private capacity. The injurys caused by adverse action hindering my rights as the original creditor giving his energy to obtain credit has caused severe damages in real time and I demand restoration. This is my notice to XXXX and TD BANK for the violation of the EQUAL CREDIT OPPORTUNITY ACT and CONSUMER CREDIT PROTECTION ACT along with withholding my securities committing securities fraud. Release my application for credit and return the application for credit. I revoke restrict rescind retract all interest or proceeds or anything of value from TD BANK and have it returned to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-26 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: PA

Complaint narrative:
This is a formal complaint that Experian is being noncompliant and they are doing in deceptive practice. Sometime around the end of XXXX, I found the following component on Experian. this is a formal complaint tht XXXX is violating several of my rights under the FCRA.In 15 usc 1681a2 under Exclusion states Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; However XXXX is reporting late payments to which Constitutes an experience and transaction to which both are part of the exclusion law stated above.Furthermore under 15 USC 1681 congressional findings ( 4 ) states there is a need to insure the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy to which XXXX has failed to do.The following accounts are reporting illegal. XXXX XXXX XXXX account XXXX XXXXXXXX latepayment. Dept of education account XXXX XXXXXXXXlate payment. Dept of education account XXXX XXXXXXXXlate payment. Dept of education account # XXXXlate Payment. Dept of education account XXXX XXXXXXXX/late payment. Dept of education account # XXXXlate payment. Dept of education account XXXX XXXXXXXXlate payment. To which the companys response was as followed Per your request to conduct a reinvestigation, we contacted the data furnisher vendors for disputed items on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported. Other aspects of the disputed items may have also been updated by the data furnishers. The results summary was sent to you for review on XX/XX/2023. ( plz refer to complaint number ( XXXX XXXX ), however I did not receive any response to any dispute I have file, and this inaccurate ans illegal information still remains on my credit report to which is a violation under the FCRA. I believe this response was a attempt to stall.

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 2023-10-26 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, XXXX XXXX XXXX can see in my credit report the following hard inquiry : Company inquiry : XXXX XXXX Sales Date of inquiry : XX/XX/2023 Credit Bureau : Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One allowed fraudsters to access my account sic times in a one-week span by allowing XXXX authentication to any phone number in the XXXX, regardless of XXXX that phone number is registered to the account or registered to me by the XXXX. The fraudsters then change the phone number and e-mail address to their address, thus completely locking me out. 

Now, I don't have access to the online account nor any statements or transaction data. Yet, Capital One drafted my bank account for {$4100.00} on XX/XX/23 for the credit card payment. My account is set to auto draft for the full statement balance. I have no way of changing that. I have no way of knowing the statement balance or any transactions. Someone just runs transactions on my account. I have no way of knowing it. I make the payment and I have no way of stopping it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/XXXX I was reached out to by what I thought was an online job opportunity. I was sent two mobile checks to my email and instructed to send money to a XXXX account for start up fees and work equipment. It seemed weird, but Id never had an online job before and was unaware of the associated processes. Luckily, the bank held a majority of the deposit, two checks, one for XXXX and the other for XXXX. I was to send XXXX to XXXX XXXX in XXXX. I contacted the bank while the transaction was still showing as pending on my account, and requested the money back on XXXX, but it was denied. The bank disputed the charge, but ultimately decided I was at fault. They did a credit reversal and now my account is negative. By their protocols, I have 41 days to pay or my account will be closed. Upon calling and asking for information about my next steps, I was told Id have to wait five days because the system isnt showing my information on the reversal or my options. But those five days count toward the total 41. There is also not a repayment plan for deposit accounts. But I dont have the money to pay all at once, especially since I didnt have that money to begin with. Ive called repeatedly since this happened and have never been given clear information about my options or next steps. The transaction was reversed XX/XX/XXXX, yesterday and I called this morning. There is nothing showing in the system that gives any information on what I can do. My account was also placed in credits only status where I can only use certified funds as a deposit. So Ill have to pay extra when this is all over with. I just want to be able to either have it reversed because I believe that the decision is wrong. The transaction was pending when I disputed. Or at least be able to regularly deposit funds without have to physically mail money or pay wire fees. I am not trying to get out of paying If it is deemed Im at fault. I do not agree with that decision, however, I just want to be able to pay without a time constraint and extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: MD

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-10-26 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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