vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 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:
In accordance with the law 15 USC 1681i ( 5 ),, inaccurate or incomplete information can not be provided in my credit report, I have found that late payments in the XXXX XXXX XXXX account numberXXXX are inaccurate in all 3 bureaus of credit, according to law 15USC 1681e ( b ) there can not be incomplete and inaccurate information in the 3 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 explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have screenshots On XX/XX/2023, Mr Cooper sent a a Letter of escrow shortage. With a dramatic increase in our monthly payment. My payment was XXXX, they wanted me to pay over XXXX. So, I opted for paying the escrow shortage and continuing on with my life. I log on today and they say I am late for XXXX and are charging me XXXX dollars. Yet, my XX/XX/XXXX ( XXXX payment made in XXXX ). payment was for XXXX which I sent as I always send. My usual payment is XXXX. I have been paying XXXX all year with the excess going to principal not escrow. The agent today said that the payment was not in full so they applied it to principal making it look like I did not pay my mortgage. The agent went onto to say my reg payment is XXXX or something around that. It makes no sense. I paid the full escrow amount, why would I double pay that through my mortgage? Also, they never run my escrow in the summer. They seem to be doing things completely out of order. They always ran it the beginning of XXXX. But neither here nor there! I have my XXXX mortgage payment ( paid in XXXX ) sent the usual way, Sitting at the bank and misapplied to principal. I actually made my XXXX payment for XXXX today. I am never late and never short. I need help because this is affecting my credit score which is in the XXXX. With me paying the full escrow shortage my mortgage payment should never have changed. The next thing they pay is in XXXX and is XXXX. XXXX a month goes towards my escrow. They will have ( and if they do not, I will add it ) the money to pay my bills ). It is this escrow nonsense that makes me crazy. I sit in a home worth a XXXX with a XXXX mortgage and I have to have them pay my bills. It is a scam. The entire banks holding your money to pay your bills is a giant scam. Nonetheless, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I represent a protected person as court appointed guardian. The company was supplied with a guardianship order.

Under Indiana Code ( IC ) 29-3-8-5 ( b ) : Every contract, sale, or conveyance executed by a protected person is VOID. Therefore, all transactions, even if claimed to be made by a proted person are VOID. Thus, all conveyance and transactions must be retracted, redacted and sealed. That person is a protected person under IC 29-3-1-13.

Protected person 's any and all information, not limited to documents, histories entries are also protected and must be removed from any and all files, including electronic collection files. The company must not provide and release any information about this protected person to anyone except guardians, her attorneys without a Court Order. Such acts violated Indiana Guardianship-IC Title 29. Probate 29-3-5-1.
Natonal Credit Systems , Inc was repeatedly contacted ;, and they failed to provide any information and authorities that would superseds Indiana Guardianship Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
On XXXX XXXX Freedom Mortgage reported my account XXXX days past due in the amount of {$28000.00}. We are currently in Loss mitigation, with Freedom Mortgage and they were not to report this to credit bureaus. This is the second time Freedom Mortgage made this mistake and has cost us over XXXX points on both of our credit report scores. With them reporting to credit bureaus, my credit score with XXXX XXXX and XXXX went down XXXX points.

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 2023-09-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Experian, one of the major credit reporting agencies, for its failure to comply with the Fair Credit Reporting Act ( FCRA ) in addressing inaccuracies on my credit report. The purpose of this complaint is to seek assistance in rectifying this matter and ensuring compliance with federal consumer protection laws. 

I initiated a dispute with Experian on XX/XX/2023, reference XXXX XXXX # XXXX, XXXX, XXXX, challenging multiple inaccuracies present on my credit report. Under the FCRA, Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable investigation into disputes within 30 days of receipt. Furthermore, Section 611 ( a ) ( 7 ) mandates that they promptly notify consumers of the results of their investigations.

Despite my attempts to resolve this issue, I have neither received the results of Experian 's investigation nor any verification information confirming that an investigation has taken place. I sent my dispute via certified mail, with proof of receipt, Confirmation # XXXX and have diligently followed up with Experian on multiple occasions. Each time, I have encountered lengthy hold times, over two hours, assurances that a manager would contact me ( which never occurred ), and a lack of resolution or clarity regarding the status of my dispute.

As the FCRA stipulates, should a credit reporting agency fail to comply with the investigation timelines and verification requirements detailed in Sections 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 7 ), they are obligated under Section 611 ( a ) ( 5 ) ( A ) to promptly delete the disputed information from the consumer 's credit report.

I am seeking the assistance of the Consumer Financial Protection Bureau to rectify this situation. Enclosed with this letter are copies of my original dispute letter, certified mail receipt, and all relevant supporting documentation for your reference.

I kindly request that the Consumer Financial Protection Bureau investigate th
is matter and take appropriate action to ensure that Experian complies with federal consumer protection laws by promptly removing the disputed items from my credit report, as prescribed by Section 611 ( a ) ( 5 ) ( A ) of the FCRA.

I look forward to your assistance in resolving this issue and achieving compliance with the FCRA. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] for any further information or clarification you may require during your investigation. 

Thank you for your prompt attention to this matter, and I anticipate a timely resolution. 

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 explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a government employee eligible for XXXX XXXX XXXX XXXX ( XXXX ). After my XXXX application was processed last year, my loans were transferred from XXXX to XXXX. I noticed that my Experian XXXX XXXX dipped recently, and upon investigating I found that both XXXX and XXXX were reporting the same student loans. This, essentially, doubled the student loan balance that appears on my Experian credit report and negatively impacted my score. I noted that, on XXXX and XXXX, the loans appear correctly ( solely under XXXX ). 

On XX/XX/2023 I opened a dispute with Experian asking that the XXXX accounts be removed, as my loans were being double reported. On XX/XX/2023, Experian closed the dispute without removing the superfluous XXXX accounts. I am turning to CFPB for relief, as in this high interest rate environment, having an artificially deflated credit score is a major hardship.

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 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I received a notice from Citizens Bank on XXXX, stating I have an overdrawn account. The notice is dated for XXXX. I went to the closest Citizens branch and they printed out all the bank statements, since the account was opened on XXXX. I contacted the Citizens customer Support and they are investigating and I was I instructed to file with you for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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 am processing disputes on my credit report to delete an remove all inaccurate information that is hindering my file. this has been my 2nd attempt to bring awareness to these negative items that are illegal on my credit report. looking over all files listed on my all 3 credit files none of them have been accurate, legal, or correct, an valid to be posted on my credit report legally. please review an delete all listed items asap to help clear my file.

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 2023-09-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CCS Financial Services, Inc.
State: KS

Complaint narrative:
they keep calling and harrassing me saying i could go to XXXX for no paying the debt

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I submitted an identity theft report to these companies and they have refused to remove them. Someone has used my personal information multiple times to open telephone accounts and Incured medical debts in my name even credit cards. I am trying to clear any fraudulent activity so I can purchase a home and these are negatively affecting my consumer reports.I spoke to multiple people who all told me to file a FTC report which I have and submitted to them multiple times once in XXXX and another in XXXX they have refused to remove these items from my report. XXXX, XXXX and TransUnion are not being fair when it comes to people who really have experienced someone stealing their identity and I would like a response and for them to be removed asap. I am uploading my FTC to prove I am a victim and should not be treated like a criminal. They have opened {$530.00} at XXXX which I have never used XXXX in my life someone also attempted to get medical care worth {$1100.00} from XXXX XXXX XXXX which Ive never stepped foot inside all I have reported and nothing has been done and they are still on my consumer reports. I have proof they received my FTC report XXXX  closed the XXXX account but this is not my debt this should be deleted completely from my credit report yet they have not removed this or team XXXX XXXX XXXX from my report. XXXX and TransUnion have completely ignored both of these accounts as being fradulent and an inquiry they refuse to remove after I submitted this multiple times that this was not mine XXXX XXXX XXXX XXXXXX/XX/2023 was not mine I have no idea who or what kind of inquiry that even is. I have froze my report with all three bureaus and XXXX  and XXXX XXXX  to prevent this from happening. I would like all of this resolved so I can move on with my life.

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 2023-09-20 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: OH

Complaint narrative:
I submitted an identity theft report to these companies and they have refused to remove them. Someone has used my personal information multiple times to open telephone accounts and Incured medical debts in my name even credit cards. I am trying to clear any fraudulent activity so I can purchase a home and these are negatively affecting my consumer reports.I spoke to multiple people who all told me to file a FTC report which I have and submitted to them multiple times once in XXXX and another in XXXX they have refused to remove these items from my report. XXXX, equifax and XXXX are not being fair when it comes to people who really have experienced someone stealing their identity and I would like a response and for them to be removed asap. I am uploading my FTC to prove I am a victim and should not be treated like a criminal. They have opened {$530.00} at XXXX which I have never used XXXX in my life someone also attempted to get medical care worth {$1100.00} from XXXX XXXX XXXX which Ive never stepped foot inside all I have reported and nothing has been done and they are still on my consumer reports. I have proof they received my FTC report XXXX  closed the XXXX account but this is not my debt this should be deleted completely from my credit report yet they have not removed this or XXXX XXXX XXXX XXXX from my report. Equifax and XXXX have completely ignored both of these accounts as being fradulent and an inquiry they refuse to remove after I submitted this multiple times that this was not mine XXXX XXXX XXXX  XX/XX/2023 was not mine I have no idea who or what kind of inquiry that even is. I have froze my report with all three bureaus and XXXX  and XXXX XXXX to prevent this from happening. I would like all of this resolved so I can move on with my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: EdFinancial Services
State: TX

Complaint narrative:
In late XXXX I sent in my form online for mandatory forbearance as I am currently a XXXX XXXX. I was told id hear back in XXXX business days. I never heard back. I then called on XXXX separate occasions and the wait time on the phone was over XXXX hours. I left my number for a call back but I never got a call. I then sent an email explaining the situation and was told Id hear back in XXXX business days. I still have no heard back. My loan provider is Edfinancial. My loan payments are due on XX/XX/XXXX and there is NO WAY I can afford to pay them now which is why I need this figured out. Please help me because I literally cant afford this right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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 am writing to officially dispute certain items in my consumer report, which were reported without my prior written consent. This matter is brought to your attention in accordance with the provisions outlined in 15 USC 1681b, which are designed to protect consumer privacy. 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES XXXX XXXX inquire date XXXX XXXX XXXX XXXX inquire date XXXX XXXX XXXX  inquire date XXXX XXXX XXXX inquire date XXXX XXXX XXXX XXXX inquire date XXXX XXXX XXXX inquire date XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: FL

Complaint narrative:
I am writing to officially dispute certain items in my consumer report, which were reported without my prior written consent. This matter is brought to your attention in accordance with the provisions outlined in 15 USC 1681b, which are designed to protect consumer privacy. 

Account Name : XXXX  XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES XXXX XXXX inquire date XXXXXXXX XXXX XXXX XXXX inquire date XXXX XXXX XXXX inquire date XXXX XXXX XXXX  inquire date XXXX XXXX XXXX XXXX inquire date XXXX XXXX XXXX inquire date 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 explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
I have a Military Star credit card that can be used at Army/Air Force Exchange stores and XXXX XXXX XXXX XXXX XXXX I have had the account since XX/XX/XXXX. The card has a rewards program for a {$20.00} reward credit after each {$1000.00} worth of qualifying purchases ( XXXX points for each dollar or each XXXX points ). Im using the card for about a {$1000.00} in purchases every XXXX weeks. The rewards are a big reason I use the card. 
To begin, I received cards for rewards regularly through the mail. About a year ago, Military Star changed its policy to send the rewards in emails. 
I began receiving the emails for rewards at first, but, earlier this year I noticed I had not received a reward for an extended period. Admittedly, I was not monitoring the account close enough to pinpoint exactly when the last reward was received, but I believe it was before this summer. I am checking spam/junk files for the emails. 
Customer Service tells me a reward was issued in XX/XX/XXXX, and, most recently, I made a payment on XX/XX/XXXX, for which a reward should have been issued. I have received neither. 
I have previously requested that they reissue past rewards that have not expired ( 90 days from the date of issue ) and that have not been redeemed. I dont know what the result was because I have not been able to get that information from AAFES XXXX 
I have questions about this : XXXX ) How many rewards have been issued since XXXX of this year? 
XXXX ) How many have been redeemed? Where were they redeemed? I suspect someone may be diverting my rewards emails, and, if thats true, they are probably being redeemed somewhere other than XXXX XXXX, VA, which is where I redeem all rewards Ive received. 
I have just changed my email contact address on the today in an effort to thwart fraudulent efforts to obtain the rewards. 
How am I to recover the rewards for which Im entitled?

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 2023-09-20 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: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY XXXX REQUEST FOR REMOVAL OF THE FRAUDULENT INQUIRIES SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am a government employee eligible for XXXX XXXX XXXX XXXX ( XXXX ). After my XXXX application was processed last year, my loans were transferred from Nelnet to XXXX. I noticed that my XXXX XXXX XXXX dipped recently, and upon investigating I found that both XXXX and Nelnet were reporting the same student loans. This, essentially, doubled the student loan balance that appears on my XXXX credit report and negatively impacted my score. I noted that, on XXXX and XXXX, the loans appear correctly ( solely under XXXX ). 

On XX/XX/2023 I opened a dispute with XXXX asking that the Nelnet accounts be removed, as my loans were being double reported. On XX/XX/2023, XXXX closed the dispute without removing the superfluous Nelnet accounts. I am turning to CFPB for relief, as in this high interest rate environment, having an artificially deflated credit score is a major hardship.

Company response to consumer: Closed with explanation