vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I signed a Loan Modification Agreement and Partial Claim Deed of Trust with Dovenmuehle Mortgage. ( see attached documents ) Dovenmuehle never processed the loan modification in their system. I have been calling loss mitigation for over two years and they would say they are behind in processing. I have been making payments since XX/XX/XXXX. During covid I did miss some payment due to unemployment but, payments have been made. Dovenmuehle Mortgage said I did not make any payments XX/XX/XXXX to XXXX XXXX also XX/XX/XXXX to XX/XX/XXXX, so therefore they are not going to process the Loan Modification Agreement and Partial Claim Deed of Trust. ( Attached are statements from Dovenmuehle Morgage showing transaction where payment was paid during those time period ). Dovenmuehle never XXXX the loan out to start in compliance with the Loan Modification Agreement. ( Attached are statements dating from XX/XX/XXXX to XX/XX/XXXX ) showing the pass due amount continue to get larger and larger. They now say that I owe {$57000.00}. All payments made were going to unapplied. I had over {$51000.00} in unapplied funds as of XX/XX/XXXX. Dovenmuehle applied {$910000.00} to fees. This is unfair and deceptive trade practices. How can they not book the loan modification per the agreement that has been signed and recorded at the county clerk office? I do not owe Dovenmuehle mortgage {$57000.00}. Dovenmuehle is trying to cover their self 's because they never processed the Loan modification agreement in their loan system in XX/XX/XXXX and now, they want us to pay for their mistake. They are probably doing the same thing to other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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:
Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights with regard to this account, and I am seeking your assistance in ensuring that these rights are upheld. I believe that the FCRA allows me to request the following information regarding the aforementioned collection account : Verification of the Debt : Please provide me with detailed information verifying the existence and validity of this debt. Copy of Original Contract : I am requesting a copy of the original contract or agreement that supposedly gave rise to this debt. Payment History : Please provide a comprehensive payment history for this account, including details of any payments made, charges, and interest. Name and Address of the Original Creditor : Kindly furnish me with the name and mailing address of the original creditor associated with this debt. Proof of Ownership of the Debt : I am entitled to see proof that the collection agency indeed owns the debt and has the legal right to collect it, which should include a signed application with the consumer 's wet ink signature. Category Contemplated in Section 2.05 of Regulation S : I believe that the securities associated with my account fall within the scope of Section 2.05 of Regulation S, which pertains to offerings and sales of securities outside the United States. I request that XXXX thoroughly assess the eligibility of my account under this regulation. Deprivation of Rights : My continued obligation to repay this debt is causing undue financial burden and depriving me of my inherent and indefeasible rights, privileges, and immunities secured by the federal and state constitutions. As such, I assert my right to request debt discharge under applicable regulations. By Section 611 of the FCRA provides your rights to dispute inaccurate information on your 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 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capitol one approved me for a XXXX dollar cc I have never had one and wanted to build credit I have a 700 plus credit score and no collections or late pays. 4 days after receiving card I had made 3 purchases then they restricted my card without any notice I called emailed wrote everyday and they could not give me a valid reason for this they said it was flagged but that's not possible I had card 4 days they will not provide me any reason and won't lift restriction I've already made a pymt on time. They have reported it to credit agencies as an open acct I can not get another card because this one 's still showing open I am now going to become delinquent because they restricted my card with no valid reason or notice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
My Daughter had a car accident in which the car insurance decided to total the car out, the amount at the time was owed was XXXX XXXX XXXX cut a check in the amount of XXXX and the XXXX coverage sent a check out for XXXX and I just had made a payment of XXXX in XXXX, my total is XXXX within XXXX months. Now they are reporting account as late to credit making a negative report affecting my score it have dropped like XXXX points within XXXX weeks because of them making back to back reports in the same month. I co signed on the car with my Daughter and I am working hard to improve my credit, can they charge me interest on a car that was paid off and report to credit like they are doing. The car was due to be paid off in a couple more years and they got they money in advance due to the car accident and my Daughter is still without a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FC HoldCo LLC
State: NJ

Complaint narrative:
I contacted the creditors to request a settlement and they said they would accept half which was XXXX. I advised I only had XXXX and that it would take a few months to get the remaining balance but by then the tradeline would no longer be reporting due to it being over 7 years old. They declined. It still shows in collection status not charged off on my credit report. I filed a dispute a with XXXX and they would not honor the tradeline being over 7 years old and either remove it from my credit report or show as charged off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I made a purchase form XXXX XXXX XXXX XXXX, and I submitted a complaint with the name of XXXX XXXX XXXX XXXX, this complaint is because the credit card company, Barclay, XXXX XXXX did not resolve my issue in my favor. 
The purchase I made was sent incorrectly, i did not receive the product I purchased. 
I have been trying to resolve the issue with XXXX XXXX XXXX XXXX, and their finmal resolution was that they sent me the right product. 
But it was not the case, as I demonstrated through pictures : I purchased XXXX Medium Firmness mattresses, and I received XXXX soft firmness mattresses. 
Barclays does not support their customers in their query for satisfaction of the products purchased from a merchant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
My friend XXXX had invested with XXXX and was receiving great returns which she confided to me and referred me to a man named XXXX who was an agent for XXXX. 
I invested USD XXXXXXXX XXXX XXXX  on XXXX XXXX to send to XXXX  for their 60 day XXXX XXXX XXXX XXXX XXXX which would mature on XX/XX/XXXX. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX matured but XXXX from XXXX said she had to pay a 15 % fee of over {$1.00} XXXX in order for her to collect her funds and the money could not be deducted from her investment. 
After she contacted Authorities, they verified this whole website was a scam. When my account matured on XXXX XXXX, XXXX told me I owed a 10 % fee. After I complained he said his bosses would allow me to pay 5 % fee to collect half the funds, then I could pay the other 5 % to collect the rest. Having known the results of the investigation of XXXX 's situation, I figured he was trying to get more money out of me with the 5 % fee promise. This scam has caused me great distress and financial 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 2023-11-08 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
IN ACCORDANCE with the fair credit reporting act this creditor has violated my rights! under 15 U S C 1681 section 602 states ''i have the right to privacy '' 15 USC 1681 SECTION 604 A SECTION 2 '' IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
IN ACCORDANCE with the fair credit reporting act this creditor has violated my rights! under 15 U S C 1681 section 602 states ''i have the right to privacy '' 15 USC 1681 SECTION 604 A SECTION 2 '' IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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 non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
I attempted a loan modification on XX/XX/ and was denied and now I'm facing a foreclosure on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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 2023-11-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
I contacted Bridgecrest Acceptance Corporation on XX/XX/ and no one was able to answer any questions I have about this alleged debt they are attempting to collect. I spoke with XXXX and XXXX in the executive resolution department. They used obscene and profane language stating I was late on this alleged debt. I was told that XXXX in the compliance department was out of the office and would contact me on XXXX  however, I have heard from no one regarding this matter. They are practicing without a debt collectors license and I have proof from a government official that states I owe no such debt to this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: LA

Complaint narrative:
I sent out a dispute to the credit bureaus and creditor about this proclaimed debt i owe that negatively affecting my life. Still as of today i still have not received any response from neither the credit bureau nor creditor to validate or verify this account nor the proper documentation they took to validate or verify this account prior to placing this on my report. As stated under 15 u.s.c 1681i method of verification was not supplied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
As the surety I have begun the process of correcting records, discharging and notifying all entities employing the ALL CAPS name of the new stipulations. 
Notice of Subrogation/Surety and stipulation were sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice of tender was sent XXXX XXXX XXXX  RE : XXXX XXXX XXXX XXXX notice of tender was sent XXXX XXXX XXXX  RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tender was sent XX/XX/ RE : XXXX XXXX XXXX Acceptance of discharge was sent XXXX XXXX XXXX 
RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt assignment, Rescission of signature and intention on writ was sent. 
XXXX XXXX XXXX Cert # XXXX XXXX XXXX XXXX XXXX XXXX. Exoneration notice sent It was never my intention to be part of a trust whereby I was not the beneficiary. 
Wells Fargos only response is to say the debt is valid. They have redeemed the {$21.00} money order sent on special deposit commingling funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: AZ

Complaint narrative:
Account : XXXX XXXX also know as XXXX XXXX XXXX Is violating my consumer rights and I would like to be removed as it is hurting my good name. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: DAIMLER TRUCK FINANCIAL SERVICES USA LLC
State: FL

Complaint narrative:
IN ACCORDANCE with the fair credit reporting act this creditor has violated my rights! under 15 U S C 1681 section 602 states ''i have the right to privacy '' 15 USC 1681 SECTION 604 A SECTION 2 '' IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: CO

Complaint narrative:
My Federal Loans have transferred to Mohela. I have always been able to make payment from my checking account to Mohela with no issues prior to XX/XX/XXXX. I was not making regular payments due to the federal pause and have been preparing for the repayment restarting as of XX/XX/XXXX. 

I was placed on an Administrative Forbearance on XX/XX/XXXX. This is not something I requested and I take issue with Mohela collecting interest for a Forbearance that was not requested by myself. I have attempted to make several payments to Mohela via XXXX XXXX and XXXX time payments. Each time, I receive a message that my financial institution has returned the payment. This is simply not true and my account information has not changed with previous payments being processed with no issue. I would like to make my payments and not face interest penalties for something I did not request. 

My current XXXX plan payments are {$170.00} and my new monthly payment plan ( as per studentaid.gov ) will be {$630.00}. 

I received notice that my auto debit was approved and will be debited on XX/XX/XXXX but do not know the amount to be withdrawn or if this auto debit will also be rejected once again. I need to understand the amount to be withdrawn to financially prepare. 

I have attempted to contact Mohela via telephone with over XXXX hour wait times and have been unsuccessful in speaking with a representative. I sent an email complaint regarding this issue on XX/XX/XXXX and have not received any response.

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