vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
Over 2 years ago, I took out a Title Loan and my Social Security income changed drastically so Title Max attorney allowed me to make payments less the interest. I completed the payment for loan and received my title to my vehicle. For past 4 weeks Ive been inundated with collection calls. I called the number on the Caller ID and these are hard nose collection agents XXXX XXXX. I blocked one phone number then call on another phone number regarding a cleared up by Title Max Legal Department.

They are ignoring the legal decision for to make payments and harassing me to make payments, I do not owe this company any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
Dear CFPB, I am writing to file an urgent complaint against my mortgage servicer, SLS Mortgage, regarding their refusal to release funds necessary for the repair of my property. My name is XXXX XXXX, and my mortgage account number with SLS Mortgage is [ Your Mortgage Account Number ]. 

On XX/XX/2022, my property suffered significant damage due to flood, resulting in an insurance loss. I promptly submitted all required documentation, including estimates and bills from the contractor responsible for repairing my home. However, despite providing all necessary information, SLS Mortgage has refused to release the funds required for the repair work. 

This situation has left me and my XXXX son in an extremely vulnerable position, facing the prospect of homelessness. Despite my numerous attempts to resolve this matter with SLS Mortgage directly, they have been unresponsive and uncooperative. 

I kindly request your urgent intervention in this matter. I urge you to investigate the actions of SLS Mortgage and ensure that they release the necessary funds to cover the repair costs as outlined in the submitted documentation. Time is of the essence, and the delay in releasing the funds is causing severe distress and hardship for my family.

I appreciate your immediate attention to this pressing issue. Please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information or clarification.

Thank you for your assistance

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Account : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Account : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX, I had applied for an IDR plan with the Dept. Of Education, which was received by my servicer, Nelnet, on XX/XX/XXXX and confirmed via email. I have repeatedly received email updates every so often stating that the IDR is still in process but that it is not yet completed. 

On XX/XX/XXXX, I had called Nelnet to attend to a different issue, and asked about my IDR plan approval while I was thinking about it. I was told that it still was in process. The miss I was speaking with was nice enough to suggest that I submit income verification to Nelnet to try to speed up the process, but she could not provide any more information. 

It has been approximately two months request, and I need this request to be processed, otherwise I risk unnecessary financial strain.

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: Mercedes Benz Financial Services
State: PA

Complaint narrative:
I requested a 3 month deferrment XX/XX/XXXX ; due to temp being laid off. Payments pickked back up successfuly as of XX/XX/XXXX. After numberous calls, XXXX, emails and letters. The company is reporting 30 days late for the month of XX/XX/XXXX. i had a deferrment for the moths of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
I was also informed that maybe we did not get your intial request in XXXX, or it didnt land in the appropriate department ; fill put paperwork and lets see what happens. I filled out paperwork again second time. 
Finally I was tol to write a leter to dispute in XXXX texas about the 30 day latenes of XXXX XXXX that letter was writtine XX/XX/XXXX. I have yet to hear any update. I cslled merceds financial service back to inquire about my dispute letter. I was told that theres no way they can XXXX to see if XXXX XXXX XXXX  in XXXX texas received my letter ; i was also told that there is no telephone number that they can provide me to see if they received my letter. I explaied to the representative, far as I know that this could be a ghost company im sendig letter too ; representative responded " pretty much '' overall, i was never late for any of my car payments since purchasing this vehicle XXXX. In addition i have been in XXXX XXXX the past XXXX yrs and never with any miss or late payment. I just dont undrstand why this matter can not be fixed within XXXX. 

i was also told by meredes to dispute with XXXX XXXX in which i did and they will f/u ; of course that never happended as well. Any assistance would be greatly appreciated

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NE

Complaint narrative:
I applied for Public Service Loan Forgiveness with XXXX in XX/XX/XXXX ( 14 months ago ). I am fully eligible and simply waiting for my loans to be forgiven. 

In XXXX of XXXX, I was informed by Aidvantage ( my assigned loan servicer ) that I needed to resume payments in XXXX. I checked the status of my PSLF application with XXXX online and it said it was a duplicate application and had been rejected ( erroneously, as I had never submitted anything of any nature to XXXX before XXXX of XXXX ). 

I then attempted to reach XXXX. I needed to take a full day off of work in order to successfully reach them. They told me my application was still actively pending but they could not take any action on it until Aidvantage transferred my loans to XXXX. I was told there was nothing I needed to do to facilitate this process, as this was a process between Aidvantage and XXXX, but I could contact Aidvantage to urge them to transfer my loans. I asked the XXXX representative if I could receive administrative forbearance while my PSLF application is pending, and they informed me that I would need to make that request with Aidvantage, as that is where my loans are currently managed. 

Last month, I made my first entirely unnecessary payment with Aidvantage as I had no other choice. Today, I called Aidvantage at the number provided on their website ( XXXX ). I navigated the Aidvantage automated phone menu and requested to speak with a representative after verifying my identity. I waited on hold for approximately one hour before the phone began ringing and then an automated message told me that the Aidvantage number I had called was no longer in service and that I must hang up and dial the correct number of XXXX same number I had been on hold with for the previous hour! 

Whether this is a legitimate glitch in the phone system or a deliberate act to terminate phone calls from borrowers, the outcome remains the same : it is entirely impossible to access a customer service representative to make the request that my loans be transferred so they can be forgiven as they should have been more than a year ago without any further action on my part. 

Because I have no way of speaking to anyone at Aidvantage regarding my loans, I am seeking the CFPBs assistance in doing so. I have been very patient and accommodating throughout this process, but after 14 months, it is clear that without outside intervention, my loans will not be transferred from Aidvantage to XXXX and my application for Public Service Loan Forgiveness will never be processed. I do not wish to continue indefinitely making payments on loans I no longer owe. I greatly appreciate your assistance in this matter.

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: Nelnet, Inc.
State: CA

Complaint narrative:
I can not get a hold of anyone at nelnet and I have to wait over XXXX hrs to get a hold of someone and if I do they are incompetent. Everyone online is saying how theyre cheating people out of money the amount of money theyre saying I owe is off and way more than what I owe. I dont trust a company who can not answer my calls help or guide me I can not make payments when their site wont allow me to login regardless of making new passwords and they want me to create new accounts so they can wipe out my previous payments and charge me more. They dont answer calls or emails this is ridiculous! I need them to remove me theyre going to ruin my credit due to their messiness and incompetence.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to Equifax, XXXX and XXXX by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 

Accounts listed below. 
1. Account Name : XXXXXXXX XXXX XXXX  Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX 4. Account Name : XXXX XXXX / Account Number # XXXX 5. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX. Account Name : XXXXXXXX  Account Number : # XXXX 7.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX .Violated my rights.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - XX/XX/17 XXXX XXXX - XX/XX/17 NQUIRIES NOT RECOGNIZED XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent a certified letter out on XX/XX/2023, to Experian and it was received on XX/XX/2023signed by XXXX XXXX at XXXX XXXX- tracking # XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/2023, I received notification that my disputes were complete and found accurate. This makes no sense because the open dates are inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal. 

In my original letter, I asked Experian specifically to provide pictures, receipts, dates, times, and Bonafide witnesses who can attest to these accounts being mine. I also provided an FTC report along with a police report that was rejected for the 2nd time this year stating that my filing was believed to be done in error or misrepresented though I included the officer 's telephone number and badge number. A police report can not be falsified, that is against the law. I spoke with supervisor XXXX who admitted that they did not read my letter, nor was it entered into their system. My rights have been violated under 15 U.S.C 1681 Section 604A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts on my reports as well. 

Experian also made false claims to my active credit card companies ( XXXX XXXX XXXX XXXX XXXX  ) and informed them that I was disputing the accounts I have with them as fraud. As a result, my cards were immediately frozen, and I had to be authenticated to have them unfrozen. The XXXX XXXX  card investigator advised me that Experian sent them a 30-page document, however, nothing in that document stated that I was disputing my active credit cards and that Experian had indeed wasted their time and falsified my complaint. The investigator apologized to me for the error and provided their contact number at XXXX extension XXXX. Needless to say, my credit cards were then thankfully unfrozen. 

Because of this, I am led to believe that Experian picks and chooses what they want to address and addresses matters falsely and carelessly. In my letter, I made it very clear which accounts were fraud and also marked them on the FTC report and provided my social security number, lease agreement and utility bills outlining my physical address. 

There is no reason for there to have been confusion. Experian has continued to report the fraud address on my profile of XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX. I am demanding Experian to remove these accounts immediately : XXXX XXXX XXXX for {$11000.00} Account # : XXXX XXXX XXXX XXXX for {$2200.00} Account # : XXXX and an inquiry from XXXX  XXXX on 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 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Today, I am writing this complaint to PORTFOLIO RECOVERY regarding the incorrect information on my account. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD bank denied me a reimbursement for my debit card being used when my wallet was stolen on XX/XX/XXXX. 

There are XXXX transactions that are not mine from this date. I was told to wait until the next business day which was XX/XX/XXXXXX/XX/XXXX to dispute the charges as they would go through my account. I was denied the reimbursement because the card was not used after I was notified to cancel the card. 

These are the charges I accrued. All from XX/XX/XXXX {$5.00} {$5.00} {$7.00} {$11.00} {$35.00} {$35.00} again {$230.00} Please let me know if any other info is needed. Thank you.

Company response to consumer: Closed with monetary relief