vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: FL

Complaint narrative:
My issue is very straightforward as is the solution I desire. On XX/XX/2023, I payed {$2700.00} for the first of my two direct subsidized loans to Edfinancial. On XX/XX/XXXX, both of my two loans got reduced to {$270.00} because I XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I payed the {$270.00} for the second loan, and my first loan showed a balance of - {$2400.00} ( signaling a refund ). On XX/XX/XXXX, my account officially reflected a refund of {$2400.00}, and my account balance went to {$0.00}. I have received no refund check/direct deposit yet. Since that date in XXXX, I have called 5-6 times, speaking with a different representative each time, seeking for information regarding the status of my refund. I have received no such information other than inconsistent timeline suggestions ( 4-6 weeks, 60-90 days, 25 business days, 35 business days, and we can not provide that information ). I have asked to speak to a supervisor TWICE, and both times they have told me to wait 24-48 business hours for a call back. Both times I have not been called back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
Both accounts from XXXX XXXX XXXX and XXXX have been paid in full. This report needs to be updated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I was told if I used Rocket Mortgage & Rocket Homes Agent, the MPI would be waived. This was absolutely not true. Straight FHA loan requirements and MPI added. 

In the process of mortgage loan process with Rocket Mortgage, I was asked to pay a {$500.00} binder, when I already paid a binder to the realtor. Then discovered fee was for the appraisal. Simultaneously, closing fees jumped over {$10000.00} in one week. No explanation was given. 

I requested to cancel the loan, Rocket mortgage rep offered a lower interest rate to keep the deal. When asked why this was not offered initially, no explanation was afforded. 

I filed a transaction dispute with my bank, Rocket refused to waive the {$500.00} fee. 

This has been over a period from XX/XX/2023 to XX/XX/XXXX XXXX XXXXXXXX, Main Contact at Rocket XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: FL

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to 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 explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Rushmore Servicing has told us in numerous phone conversations that Since XX/XX/2023 XXXX XXXX AND XXXX XXXX XXXX have been apparently BOTH have Foreclosure Files against the Rushmore Servicing account. Not only have these fees been duplicated against the account, they never should have begun in the first place as we never received any Notice of Intent to XXXX XXXX as required by XXXX XXXX. When we contacted XXXX XXXX to question them about the Foreclosure legal fees and why they even have a Foreclosure Filing along with XXXX XXXX XXXX, who quietly cancelled the Foreclosure complaint with XXXX XXXX and never notified us by mail or server on XX/XX/XXXX. XXXX XXXX refused to speak to us and only would say Errors have been made and we need to speak to Rushmore Servicing about them and the Foreclosure file has been closed as of XX/XX/XXXX. However, Rushmore continues to state the Foreclosure is active while still refusing to answer our request for a breakdown of line items of all fees for legal and maintenance which we believe were either duplicated or never took place causing us to not be able to pay any alleged monthly balance as the figures are never correct or truthful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: MIDFIRST BANK
State: OK

Complaint narrative:
To Consumer Finance Protection Bureau : This letter is to file a complaint regarding my mortgage company and notify you of the following mishandling of a condominium property at XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX GA XXXX. 

Regarding Midland MidFirst Mortgage I have had multiple discussions with people in different departments at Midland MidFirst Mortgage requesting assistance in the following circumstances which have resulted in major hardships and affecting FHAs property.

Having purchased my FHA loan, my mortgage broker explained that Midland has to uphold FHA guidelines. 
I finally reached out directly to FHA/HUD and was directed to one of their housing counseling agencies. Their representative said to file a complaint with the CFPB, because 1. Midland could have helped me but did not and now FHAs property is compromised, and 2. that FHA needs to be made aware. 
I have documents and notes regarding Midland Mortgage that I can provide. 

1. As ofXX/XX/XXXX, my homeowners Insurance was canceled due to disrepairs of my buildings failing foundation and crawl space, water intrusion, mold, likelihood of collapse, etc. 

2. As part of a townhouse condominium bylaws and covenants, the foundation, exterior, and roof repairs are the responsibility of the homeowners association / HOA as stated in the agreement signed at closing in XXXX. 

3. Since notifying the HOA in Fall XXXX of the issues, nothing was done, and the HOA is in breach of contract and has misappropriated funds and lacked adequate reserves to maintain or make the repairs. 

4. I paid an engineer to provide a report and a quote to remediate and seal off my interior. He said without the foundation and crawl space being repaired and remediated, the interior walls, ceilings, floors, pipes, etc. will continue to detach, and that the mold and sewage gasses enter from too many areas - your property is unsafe to inhabit. 

5. As a result, the property is not livable, and I am therefore homeless and sleeping on friends ' sofas since XX/XX/XXXX. 

6. In XXXX I tested positive for XXXX and XXXX XXXX. This has required extensive medical visits and I have had to delay testing to determine treatments because of the costs. 

7. The property is vacant and is not sellable or rentable. The HVAC sits in a crawl space where water continues to accumulate and therefore can not be replaced. 

8. I have continued to pay all mortgage payments since XXXX until recently, HOA dues, utilities, etc., but this has drained my savings and retirement ( now XXXX ). I need your help. 

Thank you for offering this service. A PAPERLESS response is requested, and I can be reached at XXXX or call/text XXXX. 

Sincerely, 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 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: WA

Complaint narrative:
US Bank XXXX XXXX XXXX account opened on XX/XX/23. XXXX XXXX applied at this time for {$500.00} bonus after holding {$5000.00} in account for 60 days. {$5000.00} deposited XX/XX/23. No bonus credited and they say wrong code was applied, even though they admit to having a dropdown at this time where you pick the code. Screenshot of offer taken by me, bank will still not apply offer. 

They have also charged multiple fees for paper statements and they refuse to enroll me in paperless despite multiple attempts by me. This may be corrected now. 

Website will not allow me to make external transfer as I keep getting an error trying to link XXXX XXXX XXXX account with plaid. I will try again later.

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 2023-12-08 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # 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 an 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 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
On XX/XX/XXXX, a washed check cleared the business account that we wrote through XXXX in the amount {$14000.00} on check XXXX. We did not notice this as when we checked online banking the criminal had not changed the amounts! 
On XX/XX/XXXX, a second washed check cleared the business account in the amount of {$12000.00} with check number XXXX. That statement was published on XX/XX/XXXX. 
On XX/XX/XXXX our vendor made it aware to us that they had not received payments, we then went to our local XXXX XXXX  branch found these XXXX washed checks and made a fraud claim. Both checks were deposited online to Chase Bank under XXXX separate names and addresses. The checks were written to XXXX different individuals but the handwriting on the back of the checks is nearly identical. The XXXX checks were deposited into these XXXX individuals separate accounts online. ( Most likely, these checks were online deposited into stolen or fraudulently opened accounts ) The individuals appear to be seniors living in Florida at different addresses. 
The total amount of fraudulently cashed checks is {$27000.00}. Both checks deposited online to Chase Bank. 
XXXX  fraud department is denying our credits for this fraud due to late reporting on the first check. In fact, we reported the second check just 2 days after the statement was realized but because the first check was unfound on XX/XX/XXXX they are denying credit for both checks. They claim that they are working with Chase to resolve but I find a resolution unlikely. 
I found out on the phone on XX/XX/XXXX that Chase has sent XXXX a denial of funds on the first check claim and still has not responded on the second check. I am getting information third-hand through a representative of XXXX XXXX  who says they are not able to give me details on why it was denied by Chase and that it is based on their internal policies.

I have tried to contact Chase fraud department and they will not talk to me as the accounts were not mine and I do not have any deposit accounts at this bank.

Basically, both banks are denying us our money due to this fraud. In my opinion Chase is ultimately the bank responsible for this damage as they allowed these washed checks to be deposited online at their bank. Again, likely on fraudulently opened online accounts. They have chosen to handle transactions online which has left them vulnerable to these types of thieves. 
I simply dont understand how Chase can deny our funds when they clearly have online procedures set up rife with fraudulent activity. We need someone to work on our behalf to get Chase to pay us back our stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: GA

Complaint narrative:
Hello, I have credit inquiries that I have asked to get removed from the credit bureaus and to no avail they have not been removed as yet. To my knowledge I did not authorize these credit inquiries to be on my report. 

The following are a list of those inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX ( 3 times ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also have a collection account from XXXX XXXX that was sent to XXXX XXXX XXXX, this was resolved with XXXX but is still showing on my report I have asked for this to be removed as well and to no avail it is still showing on all XXXX credit bureaus. 

Please help me to get these removed they are hindering me from repairing my 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 non-monetary relief
Consumer complaint received 2023-12-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, I have credit inquiries that I have asked to get removed from the credit bureaus and to no avail they have not been removed as yet. To my knowledge I did not authorize these credit inquiries to be on my report. 

The following are a list of those inquiries that I did not authorize : 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 Bank I also have a collection account from XXXX XXXX that was sent to XXXX XXXX XXXX, this was resolved with XXXX but is still showing on my report I have asked for this to be removed as well and to no avail it is still showing on all XXXX credit bureaus. 

Please help me to get these removed they are hindering me from repairing my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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: CA

Complaint narrative:
I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please help me have that fraudulent account remove from my 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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please help me have that fraudulent account remove from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to 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 2023-12-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally address and dispute the collection account being reported by XXXX XXXX, purportedly stemming from an alleged contractual arrangement with XXXX XXXX. I want to clarify that I have no contractual affiliation or relationship with XXXX XXXX, and thus, I do not recognize any supposed contract they claim to have with me. 

My foremost concern pertains to the lack of documented consent or authorization granted to XXXX XXXX regarding any association with XXXX XXXX. I have not provided any such consent, nor is there any evidence to support XXXX XXXX ' claims to the contrary. 

Furthermore, XXXX XXXX lacks the authority to engage in any actions or transactions regarding XXXX XXXX without the explicit consent of the only real party of interest or surety involved. I demand evidence to substantiate any claims of authority that would justify their involvement without proper authorization, which, as of now, remains conspicuously absent. 

Regarding any signature referenced by XXXX XXXX, it is imperative to note that any signature they possess can not be considered valid if it was obtained under questionable circumstances. Therefore, any purported signature attributed to XXXX XXXX, held by XXXX XXXX or XXXX XXXX, is hereby rescinded and invalidated. 

Due to concerns about potential harm and the infringement of the rights of myself and of the surety, I formally declare the discharge of any obligations toward XXXX XXXX due to their communication with me without prior consent from the surety. I also demand the prevention of any trespass against the rights pertaining to the subject matter in question, especially as they pertain to beneficial title holders in private. 

It is crucial to emphasize that neither XXXX XXXX nor XXXX XXXX have been granted permission or consent to furnish any information to credit reporting agencies, especially in the absence of my explicit written consent, which remains absent and unverified. 

Furthermore, I hereby revoke any and all forms of consentverbal, non-verbal, written, or otherwisegranted to XXXX, Equifax, XXXX, XXXX XXXX, or XXXX XXXX. Additionally, any security interests purportedly granted to XXXX XXXX or XXXX XXXX are hereby rescinded, revoked, and rendered null and void ab initio. 

I expect a prompt and thorough investigation into these matters and the immediate cessation of any further communication or reporting by XXXX XXXX and XXXX XXXX until these issues are satisfactorily resolved.

Company response to consumer: Closed with non-monetary relief