vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I submitted an auto payment on my account with XXXX in XXXX of 2023. XXXX, XXXX, XXXX all came out on auto pay but they did not pull XXXX. They did not notify me in any way of a late payment and then XXXX night I see a pending charge for XXXX payments. When I called they then told me that I was not on auto pay and they had never attempted the XXXX payment and could not provide me any information on the previous payments. They continued to state that I was wrong and I had been logging in, but could provide me no information. I told them that these were fraudulent to which they told me it must have been me. 

This company is extremely hard to deal with and very unprofessional. I understand auto-pays and my responsibility to ensure they are made regardless of set up as I work for a financial institution. However, I am confident that there is an error on their end that they are not owning up to in this instance. I am upset that they refuse to provide me any documentation or information and rather just keep telling me I am wrong. 

I have requested in addition to this a copy of the payment terms that they are saying I agreed to and they are saying there is no such thing that they can provide.

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 2023-11-21 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: IN

Complaint narrative:
Mohela has placed an administrative forbearance on my account. I have a $ 0 monthly repayment at the moment so there is no payment due but I have been placed in forbearance and can not make a payment on my account now even if I were to have a payment. They will not answer the phone even though I have waited on hold for upwards of an hour. This is completely unprofessional and a terrible way to handle someone's fiscal accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was reviewing my credit report that noticed some inquiries that do not belong to me

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 2023-11-21 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: KS

Complaint narrative:
my information was sold and bought illegally because i was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that i was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts and hard and soft inquiries on my report as well as remove false personal information that has caused me so much harm since 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  separate accts charged off high balances check fraud XXXX XXXX XXXX in system XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXXXXXX XXXX XXXXXXXX charged off i have also been sued for a XXXX XXXX  from online in XXXX as far as i know i have at least XXXX hard inquiries on my credit report i am unable to get loans or apts or a bank account i have to use prepaid cards for everything which has really affected my life i opened my own business tis year and i cant get a business loan to support my business i have suffered so much these past 4 years and i need this fixed please please help me get these things off my credit s \o i can have my life back

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 2023-11-21 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: TX

Complaint narrative:
The following hard inquires appearing on my credit report are unauthorized and/or not recognized. 
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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: TX

Complaint narrative:
I am a victim of the Equifax data breach, my personal information was sold and bought illegally, causing fraud on my Equifax credit report. I want to have items deleted from my report immediately. I'm attaching proof that Equifax has admitted that i was in fact a victim of this data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: OH

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.

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is XXXX XXXX do 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 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 2023-11-21 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: MD

Complaint narrative:
This is XXXX XXXX do 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 non-monetary relief
Consumer complaint received 2023-11-21 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: FL

Complaint narrative:
I have request a investigation of XXXX XXXX XXXX account on my Equifax report. The charge -off of an obligation with XXXX XXXX XXXX is incorrect the following is the identifying information of the error, { Account number : XXXX, Date of incorrect reporting XX/XX/2020 }. The creditor misreported my account. 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the consumer, or modify that item of information as appropriate, based on results of the reinvestigation, and

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: Nelnet, Inc.
State: OR

Complaint narrative:
I applied for the SAVE repayment plan with my loan servicer Nelnet over two months ago. My application is still pending and my balance continues to grow due to interest. The benefit of the SAVE plan is to prevent interest to continue ballooning as long as you make minimum payments, but while the application is still pending, the interest continues to grow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: MD

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 2023-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
During Covid I as like many could not make my car payment, I always talked to Santanders, they deferred my payments and put they to the back of my loan. In XXXX XXXXA drunk driver totaled my car. my gap insurance said had i made these payments .there would be no need for them to cover my car because my insurance company paid Santanders XXXX on XX/XX/XXXX XXXX let the balance of XXXX .But this balance is due to Covid. They said I have to pay that .my Car is totaled .I should not have to pay them this, because 1. My car is totaled,2. because it was Covid a national pandemic. Had that never happed. I would be getting money back. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nexum Group Inc
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX and do not have a contract with Nexum Group Inc. They did not provide me with the original application or documents like I asked. Nexum Group is very aggressive and nasty. They don't let you explain why you don't owe a debt with XXXX XXXX ; they just get demanding nasty and tell you ; you better paid this debt or we going to report you to the credit bureau, and this will be on your credit report for 7yrs. 
I try to explain to Nexum representative the reason why this is not debt with XXXX XXXX I signed a contract with XXXX XXXX to have my roof done I had to pay my deductible up front before they started on my roof and salesperson said that only thing, I have to pay out of pocket may insurance with pay the remaining. So, once they finished the roof, they received the check from the insurance company after that I received a bill in the mail saying I owe them {$1300.00} I called the finance department and talked to someone named XXXX and I asked him what this bill for he said for extra wood they added to roof. I ask him why anyone didn't talk to me about this first he didn't give me and answer, so I asked for a receipt from them he told me they don't have to provide me a receipt, so I told him I'm not paying until your show me some proof of this extra wood for {$1300.00} are we can take this to court and handle this in court, the next thing I know Nexum Group calling my phone demanding me to pay them. I not paying no one unit some of your show me some document stating that XXXX pay for this amount for wood.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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 have already disputed these accounts but the bureaus did not remove them, nor prove validation. please remove these items from my credit files. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, has violated XXXX rights. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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 have already disputed these accounts but the bureaus did not remove them, nor prove validation. please remove these items from my credit files. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, has violated XXXX rights. 

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

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 2023-11-21 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 have request a investigation of Fraudulent Account on my XXXX report. The charge -off of an obligation with Fraudulent Account is incorrect the following is the identifying information of the error, { Account number : XXXX, Date of incorrect reporting XX/XX/2022 }. The creditor misreported my account. 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the consumer, or modify that item of information as appropriate, based on results of the reinvestigation, and

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
law 15 U.S.C 1666B I have send in many letters to trans union regarding this issue This account keeps appearing on my credit affecting my credit score. causing me XXXX and XXXX. 
XXXX XXXX opened date XX/XX/2018 also refleting a late payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have apply for a loan got approved for XXXX but I found out it's was a scam I called my bank they block the scam but someone from XXXX XXXX told me to report the scam to fraud if you have questions feel free give me a called at XXXX Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: IL

Complaint narrative:
Equifax mortgage services XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax Mortgage Services XX/XX/XXXX I DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEAR ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: FL

Complaint narrative:
I am filing a complaint against Mr. Cooper, the company currently servicing my mortgage loan, originally with XXXX Mortgage. Since the transfer of my mortgage servicing to Mr. Cooper, there have been ongoing discrepancies in the Unpaid Principal Balance ( UPB ). 

Incorrect UPB : Mr. Cooper 's records indicate a XXXX of {$190000.00} as of XX/XX/2023. However, the loan history summary from XXXX Mortgage shows a different XXXX of {$190000.00} for the same date. Despite my requests, Mr. Cooper has not verified the XXXX with XXXX Mortgage, leading to a significant discrepancy in the balance. 

These issues have caused financial discrepancies and considerable distress, as I am unable to ascertain the accurate status of my loan. I have attempted to resolve these matters directly with Mr. Cooper but have not received a satisfactory response or correction of the errors. 

I am seeking assistance from the CFPB to ensure that Mr. Cooper verifies the correct XXXX with XXXX Mortgage accurately and promptly. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-11-21 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: TX

Complaint narrative:
I reached out to experian as a victim of identity theft provided them with my ftc report and disputed this account there was an ongoing investigation at the same time I was told to reach out to the company themselves for a resolve if possible so I reached out to XXXX  and filed a cfpb complaint which resulted in a reply of them stating my information did not match any information on any account with them so I turned that information on to experian to them have this item investigated and removed from my report. Today this item came back verified after 20 days and there is no way there was a proper investigation as I have documentation that I will attach here where the company states I have no account with them. This needs to be fixed immediately as it is in breach of my rights to fair and accurate credit reporting and is hurting my financial status and overall credit health.

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 2023-11-21 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
This account does not belong to me, it has already been removed from my report previously, and the company continues to report this account to me, I have been a victim of identity theft. Please remove this account from my report, since it seriously affects me and is not mine

Company response to consumer: Closed with non-monetary relief