vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: NY

Complaint narrative:
Loans are for children that are still enrolled in college fulltime. ED Financial is sending me invoices for funds due. 

I have called and emailed multiple times since XX/XX/XXXX  and provided all documentation that has been requested. I even had the school fill out forms that acknowledged full time enrollment. 

This is approaching 6 months of harassment, fraud and a massive waste of my time. 

ED F said they will resolve the problem, but nothing is done. 

I just received another email today about a payment due

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
In XXXX XXXX XXXX we purchased a home. It consisted of two mortgages being serviced by XXXX XXXX XXXX XXXX ; they designated XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX as nominee for their successors and assigns. XXXX XXXX XXXX XXXX ended up being involved in a lot of deceitful and unethical practices ; as a matter of fact, because we were young and for the most part, clueless about the financial aspect of home ownership, my wife and I were goaded into having two mortgages on the property. The loan agents also assured us that having two mortgages was a temporary solution and we would be able to refinance both mortgages into one mortgage within a couple of years of maintaining the mortgage. 
Over the years the mortgage was assigned to multiple entities to which they corresponded with us through postal mail ( USPS ). One of those entities happened to be Ditech Financial ; they took over both payments in accordance with the original mortgage agreement. 
In XXXX we tried to refinance the mortgage, like what was told to us in XXXX The companies that we contacted were adamantly against refinancing the loans and for good reason. We eventually went back to Ditech Financial and asked them to refinance the mortgages. They stated that they would not refinance the loans but that they would modify them. They sent out a modification letter, which we still have, and told us that we wouldn't have to do anything except pay a specific amount and maintain that amount for three months and our new payment would automatically go into effect, which we did. So to our understanding they combined both mortgage payments into one mortgage payment because 1. ) The single mortgage payment was $ XXXX {$60.00} less than the combined double mortgage payments. 2. ) The original mortgage was extended 10 more years essentially making it a 40 year mortgage. 3. ) They didn't mention any other payments in the letter nor did they send out any additional letters for the second mortgage. We found out after closing and after obtaining the book & page records from the Recorder of Deeds of XXXX XXXX and the title report that Ditech Financial was not eligible to collect money for the second mortgage because they were never assigned the second mortgage, which should be considered fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: OR

Complaint narrative:
My student loans were forgiven in XX/XX/2022. XXXX XXXX counted 186 eligible payments at the time of forgiveness and told me I would get a refund for the 66 over-payments within 6 months. No refund was issued. During this time my account was transferred to MOHELA. 

I saved the only information XXXX XXXX offered users. 

I contacted MOHELA who now holds my account, but they say that they have no information at all. I spoke with several of their customer advocacy professionals and sent them the documentation that I have and they said that FASFA made the determination to backdate my forgiveness to XX/XX/2022 and to issue no refunds. The representative ( XXXX ) told me that FASFA determined my 120th payment in XXXX of XXXX, but made no mention of the excess 66 payments. She said to contact www.studentaid.gov to reconsider my forgiveness/refund. When I contacted studentaid.gov, they told me that MOHELA and/or XXXX XXXX determines the forgiveness and that I would need to contact MOHELA. 

This back and forth has no solution. I spent many hours over many days to speak with a MOHELA representative and they told me they have no information about my loans. When I provided the information that I had from XXXX XXXX, they said that it was not sufficient. The information seems be withheld.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: TX

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This account was opened XX/XX/XXXX closed XX/XX/XXXX & reopen XX/XX/XXXX. Thats a violation & have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in pdf. There comment of dispute in progress not on file thats a violation & its been over 30 days. PDF for proof. Too different names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX thats inaccurate please removed this account from XXXX & equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Movement Mortgage LLC
State: HI

Complaint narrative:
I am writing to express my concerns and request an investigation into significant discrepancies in my mortgage account with Movement Mortgage, involving a HUD lien related to COVID assistance. 

Background : My original mortgage loan was {$690000.00}, initiated approximately two years ago. As per the loan history provided by Movement Mortgage, I have calculated a principal reduction of {$28000.00}. Therefore, the remaining principal balance should be around {$660000.00}. 

Primary Concerns : 1. Discrepancy in Loan Payoff Amount : Movement Mortgage 's recent statement ( XXXX XXXX XXXX  ) indicates a payoff amount of {$680000.00}, which does not align with my calculations. 
2. HUD Lien : A lien from HUD in the amount of {$41000.00} for COVID assistance has been added. When combined with the stated payoff amount, the total exceeds my original loan amount, leading to confusion. 

Specific Questions : 1. Deferred Payments : How many payments were deferred due to COVID assistance or other loan modifications? 
2. Additional Amounts : What is the total amount added to my loan due to these modifications? 
3. Breakdown of Claims : How were the claims, especially the HUD claim, applied to my mortgage? I seek clarification on the distribution between the original loan and HUD assistance. 

In short, my original loan was for {$690000.00}, taken out roughly two years ago. Movement Mortgage states that my current payoff as of XXXX XXXX is {$680000.00}, which does not include the {$41000.00} that HUD claims is owed for COVID assistance. The addition of {$41000.00} to the {$680000.00} payoff amount totals {$720000.00}, exceeding the original loan amount of {$690000.00}. This inconsistency raises serious questions about how claims and partial claims were applied to my mortgage. Despite my attempts to obtain a breakdown from Movement Mortgage and HUD, I have not received clear answers. 

I am concerned about these discrepancies and have not received satisfactory explanations from either Movement Mortgage or HUD. Therefore, I request a detailed breakdown and clarification on how the loan balance was calculated and how claims and partial claims were applied. 

Your assistance in resolving these issues is crucial for understanding my financial obligations and ensuring accuracy and fairness in my mortgage account. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: MO

Complaint narrative:
6 complaints responded to in less then 5 minutes by experian computer generated responses proving yet again this crooked fraudulent company is doing this in retaliation for me filing these complaints

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
I have an account with Robhinhood. I have requested to withdraw my money ( {$18000.00} ) and It was denied. They placed a restriction on my account and have asked me to provide documents such as ID, selfie, and bank statements. I have provided all the following and they still refuse to lift the restriction of my account. It has been XXXX days and I just want to be able to access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: SC

Complaint narrative:
For the company to do what is fair and equitable to me as a consumer by deleting the items in the letter disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Dear Navy Federal Credit Union I've noticed you have been reporting my information to the 3rd party credit bureaus which are on my credit report XXXX XXXX never XXXX XXXX Consent to do so which is in violation. 
15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: MS

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: MS

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: MS

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: VA

Complaint narrative:
I had trouble understanding how my FSA.gov account showed that I had paid over {$15000.00} towards the original amount borrowed which is approximately {$30000.00}, and mohelas website shows that I still owe more than my original amount borrowed. They do not have a record of my loan documents to show how they have calculated the amounts that I owe. When I called and asked for a payment history of my loan I was told they could provide that information but it would have to be approved by a supervisor and take a few days. When the information was uploaded to my account it was just a report of each loan amount, the date it was taken out, how much interest is/was charged and what is still owed. I still have no record from my loan servicer of where the $ XXXX I have paid has gone towards. Additionally I was sent an email on XX/XX/XXXX stating Your account has been placed into an administrative forbearance ( meaning no payment is required ) for payments due between XX/XX/XXXX, through XX/XX/XXXX. You are not required to make a payment until XX/XX/XXXX and your account will not be considered delinquent. Be on the lookout for your next billing statement and on XX/XX/XXXX I received an email stating Information is current as of XX/XX/XXXX Your Student Loan Payment is Due XX/XX/XXXX Current Due : {$440.00} Past Due : {$440.00} Total Due : {$890.00} So I received no paperless notification regarding my bill due which stated on XX/XX/XXXX I was not delinquent and XXXX days later I was a whole payment delinquent? Ive tried to call countless times and request information that no one seems to be able to provide and I have no idea where my {$15000.00} went if I have no payment history record to show other than the brief information on FSA.gov. I havent asked my original loan servicer to sell my loans from one company to the next and now I am the one having to put the puzzle pieces together.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent address affidavit on XX/XX/2023 to TransUnion to correct my address certified mail and received the return receipt. As of today they have not made any corrections- Please have them to follow the LAW! Who's addresses are these someone must have my personal information PLEASE UPDATE with valid information!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: GA

Complaint narrative:
Dear EXPERIAN, I looked at my credit report back on XX/XX/2023, and noticed some things that are incomplete and not accurate. I sent a letter to you on XX/XX/2023 and asked you to investigate the completeness and accuracy of this, I haven't received a response back. This is breaking Federal Law.

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 USC 1681i ( 5 ) it states ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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 file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: FL

Complaint narrative:
I recently check ed my credit report. I have inquiries and other accounts on my credit report that does not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-18 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: FL

Complaint narrative:
I recently check ed my credit report. I have inquiries and other accounts on my credit report that does not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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