vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: HILLTOP HOLDINGS, INC
State: TX

Complaint narrative:
I repeatedly asked for an accurate loan estimate and I kept being sent inaccurate loan estimates. The loan estimates did not have the correct interest rate on it ( the down payment assistance program I am using does not allow for buying points ), down payment on it, the wrong title fees, and seller credits I never received. I never received an accurate loan estimate after asking repeatedly for weeks. I was still waiting for an accurate loan estimate. Then I was sent a denial letter with untrue reasons on why I was denied. They only pulled one of my credit scores to make a decision according to denial letter which is not correct either. How in the span of a week I was qualified for the loan and now a week later I'm denied? How am I in the process of closing on my loan with another lender? 

See text messages between the loan officer XXXX XXXX and I. Also, see the fraudulent loan estimates with inaccurate information. Lastly, see the fraudulent denial reasons after being pre-approved for the loan and being sent loan estimates.

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 2023-10-03 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Charge for {$160.00} was discovered on my Comenity account. The account has not been used for over 1 year and no charges were authorized. The accounts have been closed and I have received the XXXX balance letters form the bank. However, it is still showing on my credit report. 

I contacted the company to let them know there was an issue. They informed me it was noted as fraud. Two weeks later, their billing department called to tell me I was late making a payment. I informed them, again, that it was fraud and the accounts had been closed, with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: MI

Complaint narrative:
I disputed an XXXX XXXX account/tradeline on or around wih Experian. Experian alleges they conducted a re-investigation and provided the results on XXXX XX/XX/2023. Experian claimed " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' To be clear the " updated '' information is alleged to be for the same account/tradeline. It is clear Experian did not conduct a reinvestigation because the comments for the dispute pertained to the account/tradeline XXXX XXXX XXXXXXXX with the comment SEND ITEM ALREADY MATCHES THE DISPUTE REQUEST. Therefore, Experian did NOT conduct a reasonable reinvestigation compliant with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Although 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires more than a cursory examination investigation into a dispute, had a cursory invesigation been conducted Experian would have found the documents suppplied for the correct account/tradeline were false/misleading/inaccurate. Since Experian failed to conduct a reasonable re-investgation, the XXXX account/tradeline needs to be removed.

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 2023-10-02 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:
This is XXXX XXXX with new & updated information about my recent complaint XXXX. Equifax failed to delete the following 14 inquires that were disputed in 4 business days as required by 15 USC 1681c-2. Equifax is now out of compliance with the FCRA & is now liable pursuant to 15 USC 1681 for willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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:
UNAUTHORIZE INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: CA

Complaint narrative:
Noticed negative accounts was reported in my credit report XXXX - XX/XX/XXXX, both accounts were for apartments in the XXXX, Arizona area. I never resident there due to me being XXXX XXXX XXXX XXXX, North Carolina while I was on XXXX XXXX service in the XXXX XXXX until XX/XX/XXXX. Accounts was then turned into collections as of XXXX - XXXX of XXXX and are derogatory. Closed credit card with XXXX XXXX was placed on my credit report XX/XX/XXXX, I never opened an account with XXXX XXXX and status was updated on account XX/XX/XXXX. I sent multiple dispute letters over this time period and have received no results from the credit Bureaus.

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 2023-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
This summer, my student loans were moved from XXXX moved to Mohela. On XX/XX/XXXX I applied to the new SAVE program, knowing that repayments were starting on XX/XX/XXXX. 

I have requested to have Paperless contact from Mohela, so all of my official letters from the company come through the online Inbox in their portal. 

On XX/XX/XXXX, I received a letter in my Inbox from Mohela that was backdated to XX/XX/XXXX, telling me that I had been approved for one month of Forbearance ( which is a standard practice when switching between IBR plans to the new SAVE plan ), and that my Forbearance period is from XX/XX/XXXX - XX/XX/XXXX. It stated that if I had not paid my {$5.00} Forbearance payment, that I needed to contact them by phone. I have not been able to find any information indicating that I did pay at the time of my application ( I don't think I was ever given an option to make that payment ). Mohela has had hours long wait times, and despite trying to contact them, I have not been able to get through. 

I also received a second letter in my Inbox on XX/XX/XXXX, backdated to XX/XX/XXXX, that stated that I had been approved for the SAVE plan, and giving my new SAVE payment amount. The letter also states that my SAVE payments would not start until my deferment period ends ( Per the Forbearance letter - after XX/XX/XXXX ). 

However, on the Mohela website, instead of showing that I am in Forbearance, it says that I owe my first payment towards the SAVE plan starting on XX/XX/XXXX. 

I received these two conflicting letters on the same day, and they gave me conflicting information about the status of my account, and about my payment amount. 

Additionally, because Mohela was so delayed in uploading my official letters into my Mohela Inbox, I did not receive ANY information about my repayment amount until XX/XX/XXXX, which was only one week before payments were due to restart on XX/XX/XXXX. This is not enough time to plan for something as big as student loan payments. It also has not been enough time to get in contact with a representative from Mohela to have my questions answered, particularly when each attempt to call requires hours of wait times, and when some of those calls end in disconnections or hangups before even being able to reach a representative. In fact, I have once again been sitting on hold with Mohela while filling out this complaint, and a complaint with the Department of Education. This current call wait time is one hour and counting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: KY

Complaint narrative:
on XX/XX/2023 I made a payment on my student loan with intent to pay of the principal and interest and to pay off the loan. Loan sequence number XXXX. The amount due was : {$20000.00} so my bank account processed this payment and posted it. MOHELA says they " can't locate this payment ''. 


on XX/XX/2023 I made another payment on my student loan sequence number XXXX for the amount of {$10000.00} ( principal + interest ). I got a bank confirmation this payment was processed. MOHELA once again " cant locate this payment ''. 

It has been over 3 weeks and I am still accruing interest on these loans even tho I paid them off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: NY

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 explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Home Loan Center, Inc.
State: OK

Complaint narrative:
I attempted to take a loan out through a company called lending tree. They requested my accounted information, which I naively gave them it, because of that, they tried to deposit fake checks. Those XXXX fake checks put my account in the negative at an amount of XXXX and got my account frozen. I am currently in the process of going through a compliance committee in order to get my bank account reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITY NATIONAL BANK
State: OK

Complaint narrative:
its been a long time it was back in XXXX later they charged me overdraft fees when i wasn't over drawn.as well as amt fees that they said was free. And money taken from from company 's i didn't give concent to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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 XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX & XXXX XXXX XXXX XXXX XXXX has violated my 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 non-monetary relief
Consumer complaint received 2023-10-02 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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my 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 2023-10-02 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my 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 non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: GA

Complaint narrative:
I am writing to formally dispute several fraudulent accounts on my credit report. Despite my previous attempts to address this issue, these accounts remain on my report, and I believe this to be a violation of my rights under several federal credit laws, including : Fair Credit Reporting Act ( FCRA ) : I have the right under FCRA to dispute inaccurate or fraudulent information on my credit report, and TransUnion has a duty to conduct a reasonable investigation. 

Fair and Accurate Credit Transactions Act ( FACTA ) : FACTA ensures that consumers have the right to dispute fraudulent accounts and requires credit reporting agencies to correct or remove inaccurate information.

Identity Theft Assumption and Deterrence Act : I have reported these accounts as fraudulent and have taken steps to address identity theft, which is protected under this act. 

Consumer Financial Protection Bureau ( CFPB ) Regulations : I have communicated my concerns to TransUnion, and I expect that these matters are resolved in compliance with CFPB regulations. 

The fraudulent accounts I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously provided documentation and information supporting the fraudulent nature of these accounts, including a police report for identity theft. However, these accounts have not been adequately investigated or verified. 

I request that TransUnion : Conduct a thorough and comprehensive investigation into these fraudulent accounts. 

Verify the accuracy of these accounts and, if unable to do so, remove them from my credit report immediately. 

Provide me with written confirmation of the results of your investigation. 

I have enclosed copies of documents related to my identity theft report, previous correspondence with TransUnion, and any other evidence that supports my dispute. 

I expect this matter to be resolved promptly, as the continued presence of these fraudulent accounts on my credit report is causing significant harm to my financial well-being.

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 2023-10-03 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: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-10-03 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: PA

Complaint narrative:
XXXX XXXX XXXX credit card {$490.00} shows closed; charged off bad debt. This card was opened and used fraudulently by someone who moved into my old residence at XXXX XXXX XXXX XXXX XXXX XXXX. I did not open, use are physoically have this credit card. This needs to be rmeoved from my report with Transunion.

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 2023-10-03 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: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I bought doors and a window from XXXX by XXXX. They installed the wrong patio doors. XXXX  XXXX XXXX agreed to replace the wrong patio doors but it would take about 6 months to rebuild them. A couple of months later our house burned down. I advised XXXX By XXXX that we still wanted the doors for the house we were going to rebuild. In XXXX XXXX  By XXXX advised Green Sky that they had installed the doors and requested Green Sky to pay them for the door. Green Sky pay them. The house was not built yet the only thing that was there was the foundation. I advised Green Sky of this and in accordance with the agreement with XXXX By XXXX I did not have to pay for the doors until they were installed. Green Sky put my loan into collection which lowered my credit rating from the mid XXXX to XXXX making me unable to get a loan for my rebuild. When Green Sky was made aware of this they refused to restore my credit rating and said it was up to me to take care of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: NE

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed 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 explanation
Consumer complaint received 2023-10-02 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: CO

Complaint narrative:
Submitted an application for PSLF on XXXX my original loan servicer was XXXX. After submitting a PSLF form, XXXX informed me my loan would be transferred to MOHELA on XXXX  On XXXX I showed a {$0.00} balance on XXXX. 

MOHELA received the transferred loan information on or around XX/XX/XXXX. The payment due dates and monthly payment amounts on several of my loans are showing differently on MOHELA than they were on XXXX. 

MOHELA is stating that on the standard repayment plan my loans are ~ XXXX XXXX. XXXX has always been showing $ XXXX. Called MOHELA and was told there was nothing they could do and nothing they could provide. Instead they stated that my loan already under a standard repayment plan could apply for being placed on a standard repayment plan. They quoted me at {$860.00} for that standard repayment plan. 

I applied for IDR on XX/XX/XXXX and to prevent that application from any issues, I was advised not to submit an application to be placed on the standard plan. While I wait for my IDR application to be processed, I am being forced to pay a higher payment than what my actual loan payment should be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation