vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Roadrunner Account Services, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TN, XXXX XXXX XXXX XX/XX/XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Roadrunner Financials Refusal to Comply with SCRA To Whom It May Concern, I am filing this formal complaint to bring attention to Roadrunner Financials refusal to comply with the Servicemembers Civil Relief Act ( SCRA ) regarding a motorcycle loan I entered while XXXX in the United States XXXX 
I entered XXXX XXXX on XX/XX/XXXX. In XX/XX/XXXX, while on XXXX XXXX, I financed a motorcycle through Roadrunner Financial. On XX/XX/XXXX, I received Release from XXXX XXXX ( REFRAD ) orders, and on XX/XX/XXXX, I received new assignment orders to return to XXXX XXXX. Under the SCRA, servicemembers are entitled to protections for financial obligations incurred prior to the commencement of a new period of XXXX XXXX. 
I provided Roadrunner Financial with all required documentation, including my active-duty orders and assignment orders. Despite this, Roadrunner Financial has refused to apply SCRA benefits, claiming I am ineligible, even though my new XXXX  status should qualify the loan for protections such as the 6 % interest rate cap. 
This refusal represents a potential violation of the SCRA, which is intended to protect servicemembers from undue financial burdens while serving our country. Roadrunner Financials actions have caused me significant stress and financial hardship.

I respectfully request that your agency investigate Roadrunner Financials handling of this matter to ensure compliance with federal law. I believe their refusal to honor SCRA protections may affect other servicemembers as well. 

Documentation Attached : XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX ). 
XXXX. XXXX orders ( XX/XX/XXXX ). 
XXXX. New assignment orders ( XX/XX/XXXX ). 

Thank you for your time and assistance. Please do not hesitate to contact me if you require additional information or documentation. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DigniFi
State: LA

Complaint narrative:
On XXXX XXXX I received a collection notice from XXXX XXXX XXXX XXXX  in regards to doing business with DIGNIFI in the amount of {$940.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ;

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NY

Complaint narrative:
NOTICE OF LEGAL VIOLATIONS AND DEMAND FOR REMOVAL Re : XXXX and XXXX Bank Unauthorized Reporting Consumer : XXXX XXXX XXXX LEGAL FOUNDATION FOR REMOVAL : XXXX. REVOCATION OF AUTHORIZATION : According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' 2. IMMEDIATE CESSATION REQUIRED : Per 15 USC 1681b ( a ) ( 2 ) : " Any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : in accordance with the written instructions of the consumer to whom it relates. '' My written instructions explicitly REVOKE all authorizations, making any continued reporting illegal. 

MULTI-LAYERED VIOLATIONS : XXXX. FCRA Core Violations : 15 USC 1681b ( a ) : No permissible purpose exists 15 USC 1681b ( f ) : Unauthorized use of consumer report 15 USC 1681s-2 ( a ) ( 1 ) ( A ) : Reporting known unauthorized information 15 USC 1681c ( h ) : Continued reporting after revocation 2. Privacy Act Violations : 5 USC 552a ( b ) : Unauthorized disclosure 5 USC 552a ( e ) ( 5 ) : Maintaining unauthorized records 5 USC 552a ( d ) ( 2 ) : Denial of amendment rights 3. Consumer Protection Violations : 15 USC 1692e : False representation 15 USC 1693e : Unauthorized electronic access 12 CFR 1022.136 : Consumer rights violation LEGAL PRECEDENTS : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : - Requires immediate removal of unauthorized information - Places burden of proof on furnishers - Establishes strict liability for violations XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX ) : - Defines willful noncompliance - Establishes statutory damages - Confirms consumer control rights XXXX. CFPB Enforcement Actions : In re XXXX, XXXX ( XXXX ) : - Required removal of unauthorized information - Established consumer control precedent - Mandated compliance procedures BURDEN OF PROOF : Furnishers must prove : XXXX. Current valid authorization exists XXXX. Written consent not revoked XXXX. Permissible purpose continues XXXX. Legal basis for reporting NO SUCH PROOF EXISTS

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 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
" According to FCRA Section 605B it is illegal to report anthing on my credit report without Repost to followers my permissionXXXX remove this off my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I have tried to get my contract from the company they have been giving me the run around. I have made XXXX payments on my loan and I still owe more than have of the original price.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/year> Credence ResourcesManagement LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Cease and Desist Demand for Collection Activities ReferenceNumber : XXXX DearCredence ResourcesManagement LLC, I am writing to formally demand that you cease and desist all communication and collection activities related to the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop all contact with me regarding this matter.

This letter serves as my formal notice to exercise that right. Effective immediately, you are prohibited from contacting me at any time or through any means, including but not limited to : Telephone calls to my home, work, or mobile phone. 

Written correspondence sent to my home or email address. 

Any form of communication with third parties, including my employer or family members, regarding this matter. 

Be advised that failure to comply with this request may result in legal action against your agency for harassment and violation of the FDCPA. Additionally, if you believe this debt is valid, you may only contact me to provide verification of the debt or to inform me of specific legal actions you intend to pursue. 

Please confirm in writing that you have received this cease-and-desist request and that all collection activities and communications will cease immediately. All future correspondence should be directed to me exclusively in writing at the address provided above. 

This letter is not an acknowledgment of the validity of the alleged debt, nor is it a waiver of my rights under federal or state law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Amsher Collection Services is severely impacting my credit score and has placed me in financial distress. I am requesting original proof of this debt allegation. I am requesting that Amsher Collection Services stop all negative reporting to my credit report and remove this item immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code

1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: IL

Complaint narrative:
1 ) I applied to switch from XXXX to XXXX plan on XX/XX/XXXX. I was not placed in the processing forbearance and continue to be in XXXX forbearance. I am in a PSLF eligible job and months are not counting as eligible toward my PSLF when they should count because I have not been placed on processing forbearance. I would like to be placed in processing forbearance as requested when I applied to be moved to the XXXX repayment plan. My form sits " in review '' and I have received no correspondence about the processing of my form. 

2 ) In XXXX of XXXX I submitted a manual employment certification form for the dates of XXXX for my employer The XXXX School XXXX XXXX XXXX XXXX XXXX my employer not signing the form regarding my hours because I was not designated by payroll as full time employee. I received no correspondence from ED of the receipt of my form. On XX/XX/XXXX again I submitted manual employment certification that shows the months of XX/XX/XXXX through XX/XX/XXXX were eligible repayment months for PSLF by meeting the XXXX XXXX calculation of hours worked based on XXXX hours worked per credit hour taught. I also submitted the syllabus from each course I taught. My form sits " in review '' and no correspondence has been provided about why those months are not being processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
Misapplication of Loan Payments and Non-Responsive Customer Service To Whom It May Concern : I am writing to file a formal complaint against Sloan Servicing for the mishandling and misapplication of my student loan payments, which I believe constitutes unethical and potentially illegal practices in violation of federal consumer protection laws. 

Summary of Complaint : Misapplication of Payments : Up until XX/XX/XXXX, Sloan Servicing properly applied my monthly payments to both principal and interest. 

Beginning in XX/XX/XXXX, Sloan Servicing stopped applying any portion of my {$560.00} monthly payments to the principal. Instead, 100 % of each payment was applied solely to interest. This continued through XX/XX/XXXX. 

This misapplication persisted despite my consistent, on-time payments. For example : XX/XX/XXXX : {$560.00} {$490.00} applied to principal, {$61.00} to interest. 

XX/XX/XXXX XX/XX/XXXX : {$560.00} payments {$0.00} to principal, {$560.00} entirely to interest. 

Lack of Resolution and Follow-Up : I have contacted Sloan Servicing multiple times regarding this issue. Each time, customer service assured me that the matter would be escalated to a XXXX. Despite these assurances, I never received any follow-up communication or resolution. 

History of Timely Payments : I have never missed or been late on any payment. My payment history reflects consistent, timely payments through auto-debit, emphasizing the seriousness of this misapplication issue. 

Prior Large Principal Payment : On XX/XX/XXXX, I made a {$10000.00} payment, with {$10000.00} explicitly applied to principal. This significant payment was made with the clear intent to reduce my loan balance. The current misapplication undermines this effort and suggests a pattern of negligence or intentional misconduct. 

Potential Violations : XXXX XXXX actions XXXX violate federal laws governing fair loan servicing, including the Truth in Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Their failure to apply payments correctly and refusal to address my concerns demonstrates a lack of transparency and accountability. 

Requested Resolution : Immediate Correction : Apply all misapplied payments since XX/XX/XXXX to the loan principal as originally intended. 

Formal Explanation : Provide a detailed explanation for why my payments were misapplied and why no follow-up occurred after repeated inquiries. 

Preventive Measures : Implement corrective measures to prevent this issue from recurring. 

I am submitting this complaint in the hope that the CFPB will investigate Sloan Servicings practices and hold them accountable for these potential violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
With my prior mortgage company, I didn't have to worry about anything. If I had an issue I'd simply called them and the matter was taken care of with only 1 phone call. Now that my loan has been transferred over to XXXX -- oops -- I mean Carrington Mortgage Services, I'm no longer in good hands. My initial interactions with them until now ( which is exactly 1 month ) has been completely adversarial and it's ongoing. Unfortunately now without my consent I'm a very unhappy Carrington Mortgage customer. When I call Carrington Mortgage, I have to prepare to go through 15-20 minutes of recorded messaging prompts resulting in me having to get a call back from them. And when they do call you back, a random phone number pops up on the Caller ID instead of depicting its Carrington Mortgage. Your mind will not be at ease. Expect to make several phone calls to try to resolve one ( 1 ) issue. Once you go through this you'll need to make sure you continue to follow up as the information you provide to their Rep won't be put into the system under your Loan file. The next Rep ( s ) will inform you that " I don't see that in our system ''. I've found that if you pressed the prompt for " Payments '' that you could always get a Rep on the phone. 

And don't get me started on the Carrington Mortgage XXXX Department. This is the most inept company I've encountered. And I've bought XXXX houses each with literally no problem. I live in a townhome and submitted my homeowners insurance info ( so did my insurance agent ) and my HOA master policy only to be told that it's insufficient. However it was good enough for my previous mortgage company. Townhomes HOA master policies depict the communities names and the streets and not individual house numbers as Carrington Mortgage I've received numerous email messages about it and Carrington Mortgage has basically left the onus on me to get this master policy insurance info which they already have. Their insurance departments literally expect me to do their job. I told them to call the number on the master policy and get it yourself. My concern is that Carrington Mortgage is going to XXXX up my escrow analysis concerning my homeowners insurance thus resulting in a higher mortgage payment. In this short one month, Carrington Mortgage Services has shown that their inept regarding XXXX XXXX XXXX XXXX XXXX XXXX If Carrington Mortgage is lacking knowledge when it comes to servicing these types of loans, they shouldn't be allowed to handle VA XXXX. I'm really going to be watching out for Carrington Mortgage trying to force place insurance ( theirs of course ) to increase my mortgage payment. I'm a service XXXX Veteran who doesn't pay property tax but I still have to pay homeowners insurance via escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: MA

Complaint narrative:
After numerous calls regarding Selene Finance to send me the assumption package I requested, today ( XX/XX/XXXX ) was the first time Ive been told this couldnt happen. I was transferred loan providers ( from XXXX to Selene Finance XXXX in XX/XX/XXXX. 

I can no longer pay my mortgage due to me being on resurrected income. My daughter will need to assume my FHA loan, keeping the interest and remaining balance and continue payments on the house. Her and husband will be living on the property. 

With my previous servicer ( XXXX ) I was in the middle of the assuming processing. According to once of Selene Finances representatives, Selene Finances requirements for assuming a mortgage is Death, Divorce, and Incarceration. This is certainly not the case with other companies, considering we were able to start the assumption process a few months prior. The loan I have is FHA, and considering I am transferring to loan to a direct family member who has good credit, there should be no pushback.

Company response to consumer: Closed with explanation