vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
I was placed on an administrative forbearance I did not request. I am currently under the Public Loan Service Forgiveness ( PLSF ) program. I have not made any requests to change my payment plan or for a forbearance of any kind. I made my recent loan payment on XX/XX/2023. On XX/XX/2023, I received a letter dated XX/XX/2023 stating that my account was placed in an administrative forbearance beginning XX/XX/2023 through XX/XX/2023. After 2 phone calls of over XXXX hours each, I was able to get in touch with Mohela who told me the forbearance was placed because my payment plan, which was previously IDR, was changed to the SAVE plan because IDR is no longer payment plan option and the forbearance was due to processing. I previously received a letter in XXXX notifying me my payment plan is now the SAVE plan. Mohela was able to remove the forbearance but stated my XX/XX/2023 payment will not count towards my PLSF since I was place in a forbearance during that time. It is unacceptable that I was placed on a forbearance I didn't ask for and for a plan I didn't ask to be moved to but was moved to automatically by Mohela over a month prior. It is unacceptable that I was notified of that forbearance 13 days after Mohela placed me on it and after I had made a payment. It is absolutely unacceptable that now my recent payment and the month of XXXX when I am employed with a qualifying employer will not count towards my loan forgiveness.

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 2023-10-17 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: 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-17 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: OR

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 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 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 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 2023-10-17 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: NC

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is XXXX XXXX please XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Simpson Law Firm, P.A.
State: MS

Complaint narrative:
The information they provided is false and misleading. XX/XX/ I went to court regarding a debt with XXXX XXXX company in XXXX, XXXX Due to my bad health and extreme hardship the judge asked the plaintiff to step outside and work out a payment arrangement. We did. I agreed to pay {$100.00} a month and they accepted and would contact me on how to make the payments. Soon afterwards, I received a letter of judgement stating that I didnt come to court and they were awarded a judgment. I contacted the law firm and we argued back and forth until they agreed there was an error and they set the judgment aside. I then began making the {$100.00} payments on XX/XX/ by money order. After XXXX payments, I called them to get my payoff and they could not find any record of my payments. I stopped making payments until they did their research to find my payments. 
They tried to garnish my wages. There is a 7 year limit to collect debts in Mississippi. They have falsified dates and amounts just to extort money. I can prove all the dates because I still have my XXXX XXXX XXXX original paperwork that they probably didnt expect. 
They are not a member of the XXXX and their reviews and complaints are quite similar to mine. They are trying to attach this judgement to my workers compensation case that I will be settling soon. Please help me prevent this injustice.

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 2023-10-17 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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


XXXX XXXX XXXX XXXX, GA XXXX ; XXXX ; XXXX XX/XX/2023.

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 2023-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
XXXX XXXX center ignoring/not resolving/not providing updates as to updated their errors made regarding student loan forgiveness. Not completing required tasks on their end to ensure the loan forgiveness was processed correctly and accurately. 
Mohela ignoring/not resolving/not providing updates as to updated their errors made regarding student loan forgiveness. Not completing required tasks on their end to ensure the loan forgiveness was processed correctly and accurately. 
I have filed complaints, requested " escalation to ombudsman '' as I was informed to do. I submitted documentation as requested within time frames required. I have called both Mohela and XXXX XXXX multiple times with no success. Requests not completed entirely to refund all payments made during the covid pandemic forbearance as requested. I continue to be told to be patient and " give it time '' when I have had to take time away from work and have taken hours upon hours to follow up and attempt to get these issues resolved. The escalate to ombudsman did not even work, so no advocate to help. I sent them an email a month ago, still no response. They were supposed to follow up with me as they were investigating and I have yet to have anything other than we are still working on it and that was on XX/XX/XXXX that they were still waiting and would update in 15 days and they have not. I am constantly sent back and forth between both entities, being told different tasks to complete and complete them as requested with no success. These issues are all over someone not doing their job and counting what was submitted as requested in to my payment counts for student loan forgiveness and forgiving the loan and " canceling '' the updated PSLF application that was submitted as requested in XX/XX/XXXXXXXX XXXX  ( yes, a year ago ) and approving the documentation I was told to submit, but not processing that documentation to correct payment counts to include several years of qualifying payments, which result in my loans meeting qualifications much earlier than were counted, which I am owed a significant amount of money, several years worth as well as refunds for payments made during the COVID pandemic since I only received XXXX of those payments. I have large amounts of letters/dates/times/conversation notes as well as letters/emails/correspondence from Mohela and XXXX XXXX that can be provided, but there is so much it is unable to be uploaded in area provided on site.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: NJ

Complaint narrative:
This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) 3 Credit Bureau are required to remove any items that were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 XXXX 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 non-monetary relief
Consumer complaint received 2023-10-17 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 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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-10-17 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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX OF XXXX XXXX XXXX OF 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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of ACCOUNTS : 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 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 2023-10-17 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: GA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX  Balance Owed : {$360.00} ; XXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX Balance Owed : {$7000.00} ; XXXX XXXX  Balance Owed : {$310.00} XXXX XXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX Balance Owed : {$7000.00}.

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 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was out of town when my credit card arrived to my address. It had already been sent to the wrong address. When I returned home from a months long vacation I found the new credit cards statement and saw the XXXX and flight charges. I called XXXX, logged in my account and asked for details to the flights. Was unable to get refunded from the airlines. Flights were canceled and after disputing the charges Chase says I received benefit from those purchases and therefore responsible. I never bought or used flights. I filed a review for the claim, submitting proof that I was out of town and again was told that the charges were valid. No other explanations or proof I received benefit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
We purchased our home in XXXX and we had XXXX loans, a first and a second with XXXX XXXX. In XXXX our mortgage was transferred to XXXX  XXXX XXXX as a result of a crash in the housing market. When we reached out to XXXX  of XXXX about the loans, they indicated that they were only aware of the first loan and that we no longer need to worry about the second as it had been charged off. Since the second mortgage was still showing up on my credit, I reached out to the debt collector ( XXXX ) that was listed in XXXX. In XXXX, I sent them a letter to remove the debt from my credit report and they responded in XX/XX/XXXX. 

XXXX - XX/XX/XXXX, responded that account closed XXXX XXXX and we are no longer liable for debt and no balance due. reported to all credit bureaus and the tradeline was deleted. 
XXXX - XX/XX/XXXX, received another letter stating that servicing of our loan is being transferred to SLS effective XX/XX/XXXX and they will be collecting payments and they will stop effective XX/XX/XXXX. 

So I reached out to Specialized Loan Services stating that this loan had been charged off and that no balance was due. On XX/XX/XXXX, I received a letter stating that they are new loan servicer.On XX/XX/XXXX, I received another letter stating amount of debt and outstanding fees owed. For the next few years SLS continued to send statements stating that we owe them even though nothing was on our credit and no title had been on file with the county stating them as a lien holder. 

In XXXX we refinanced our house with XXXX XXXX XXXX ( XXXX ). The loan officer asked ( via email ) if we had a second since something came up and I told him about the situation with XXXX and asked him if that needed to be paid off since they were trying to collect a debt that had been closed. The loan XXXX stated that title and escrow couldnt find anything and we were cleared to proceed with the refinance. 

In XX/XX/XXXX, we started receiving multiple phone calls about our house being in pre foreclosure and XXXX had filed a Notice of Default on behalf of SLS and that we needed to pay or they would foreclose on our house. I went back and forth with them and XXXX and the title company to see who was liable and how is this possible. We also were recently served by XXXX listing us and the second lien holder in their suit to stop the foreclosure process and stating that we did not disclose the second at the time of refinance which is not true. We have filed a claim with the Title company ( XXXX XXXX ) and they decided they were not at fault. We do not know what to do but we want to keep our house but the timeline is short to save it and we can not afford to pay this nor a lawyer.

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 2023-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: CA

Complaint narrative:
Asked for assumption of the Loan paper, so the loan can be assumed or refinance. 
Asked for information of itemized charges of other on loan statement of charges. Since the Sale date asked for these packages and have not received information. 
asked for the original note as well., and detailed account of the loan.

Company response to consumer: Closed with explanation