vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 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: LD Holdings Group, LLC
State: WI

Complaint narrative:
Loan Depot has denied and obstructed access to government programs for FHA homeowners who are struggling financially. There are multiple programs available to help homeowners who were negatively impacted by Covid. When we contacted Loan Depot to discuss options to help when we were struggling they simply told us to pay when we could instead of offering CARES forbearance, modification, partial claim or repayment plan. After we fell behind and missed a couple of payments we tried to call in to resume payments as their agents suggested. Loan Depot refused to accept our payment and told us we needed to pay all past due payments at once. We asked about options for help and their agents told us that we could not be considered for any options until we got caught up on the missed payments. We have found out from HUD that this is not a requirement and that their agents were not being truthful. Furthermore, we kept calling to discuss this issue and they told us sorry, you need to only communicate with us by email. Now they have started foreclosure proceedings against us. 

We bought our home in XX/XX/XXXX and we live here with our XXXXXXXX XXXX XXXX XXXXXXXX. My husband has worked as XXXX XXXX XXXX for the last 5 years and I have worked as the XXXX XXXX XXXX XXXX XXXX for 3 years. We started having financial problems a few months after XXXX. My hours at the XXXX  were cut and I got sick with XXXX two different times and had to miss work to recover and also quarantine. XXXX had his trucking routes disrupted at first due to XXXX XXXX protests ( he does routes to XXXX ) and throughout XXXX all the way into XXXX his hours were sporadic. Add in inflation and high gas prices and we burned through all of our savings because we wanted to make sure our bills and especially our mortgage was paid on time. Near the end of XXXX we were in dire financial straits and were hoping that Loan Depot would work with us, but were told instead to pay when you can. When we followed this advice we were told that they would no longer accept our regular payment and we needed to pay back the missed payments and current payment in a lump sum which we could not do. When we asked to be considered for options to help struggling homeowners with government backed FHA loans we were told that no help could be offered until we reinstated the past due payments. 

As a result of these misrepresentations by Loan Depot agents, we now find ourselves in the foreclosure process and approximately {$24000.00} behind on our mortgage. Our hardship was resolved in spring XXXX as we are both back to work full time and ready to resume our payments, but Loan Depot refuses to accept anything but full reinstatement to even consider workout options

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: UT

Complaint narrative:
My new loan servicer ( Mohela ) is showing a balance due on 2 loans that were paid off to the prior loan servicer ( XXXX ). I have written to Mohela twice ( XX/XX/XXXX and XX/XX/XXXX ) and provided documentation of payments which were made toward these loans. I requested a complete list of how all payments made were applied, including payments which were made while the loan was still being serviced by FedLoan Servicing. Mohela has not provided a substantive response to this request. Despite contacting them as soon as they took over my loans and then again a year later, and providing documentation of the payments that were made toward these loans, they have failed to rectify this problem and they still show that I have a balance due on these 2 loans. It is not clear what XXXX did with the payments I made toward these 2 loans. These payments were made manually, separate and apart from the auto payments being made toward my consolidated loans. Additionally, I designated how each of these manual payments was to be applied toward these 2 loans and at the time, XXXX showed these 2 loans as having been paid in full. Unfortunately, I can not access my XXXX account information and it is not clear why the information transmitted to Mohela was incorrect. Nonetheless, Mohela has wholly failed to respond to this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: OH

Complaint narrative:
I have two unknown accounts that I never applied for showing on my credit file.

these following accounts are not mine please delete/remove XXXX XXXX XXXX XXXXXXXX XXXX {$8800.00}. I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. I explained in my letter that, you, as a Federal Reporting Agency, have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent 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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
today on XX/XX/2023 I contacted equifax about a fraud account on my equifax credit file. I informed them I sent in the ftc id theft report to have the account removed. the representative informed me he will initiate a dispute today ( XX/XX/2023 ) but failed to provide a confirmation number. I log into my equfiax account and I also do not see the raised dispute for today 's date on there. this also happened the previous week. equifax is being deceptive and i do not like that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I can not sign on to Experian 's website. I probably have an old account I no longer have records for. I don't know which of two email addresses I used as a userid. I don't know the password either. Using their online recovery method, they say the phone number I have is not what they have on record. This is required information for the online recovery. The previous phone number ( which is disconnected anyway ) gets the same error. This dead end occurs with both email addresses. 

When trying to get telephone help, you can try lots of paths through the automated system, but you always wind up at the useless recovery method described above. There is no option to speak to a real person. If you say " representative '' or push " 0 '', it tells you it can not connect you to a specialist. I am trying to place a freeze on my credit report. So far the only thing Experian offers is doing it by paper mail. 

I tried creating a new account from scratch, but when I selected a userid and password, it told me the usedid could not contain the password, which was nonsense. They were not similar in any way, plus the usedids I tried were from 6 to 10 characters long and the password was always 17 characters and met all the complexity rules. 

Some other credit reporting agencies allow this without having an account with userid and password. I'm not accusing Experian of anything unethical, but it occurs to me that by preventing the freeze from occurring, they will continue to receive a fee for requests for my credit report. I'm aware of four other credit reporting agencies and this task was quick and easy to complete with all of them.

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 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I deposited one check for {$300.00} on XX/XX/2023 and I deposited another check for {$1000.00} on XX/XX/2023 into my Wells Fargo account. Both checks were written to me by my mother. Her bank account is with XXXX  XXXX XXXX. Wells Fargo is saying they were unable to collect the funds and theyre telling me that they wont be available until XX/XX/XXXX and XX/XX/XXXX. XXXX  XXXX XXXX is saying, they paid those checks immediately upon receiving them. Wells Fargo is telling me theres nothing they can do about it and they may charge me a penalty fee for being overdrawn. The funds were in my account for four days and then all of a sudden they reneged and said the money isnt there. They said they were unable to collect the money when in fact, they received the money on day one.

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 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
institution, which I believe to be in violation of 12 CFR Part 1002 Regulation B, Title 15 U.S. Code 1602 ( p ), Title 15 U.S. Code 1644 ( f ), and Title 15 U.S. Code 1611.

The adverse action in question pertains to the denial of my recent application for a XXXX XXXX XXXX. ref # XXXX On XX/XX/2023, I received a written notice from your institution, indicating that my application for a for XXXX XXXX XXXX. ref # XXXX has been denied. The specific reason ( s ) as to why I was denied is irrelevant because I have the right to credit and withholding my securities is securities fraud! Your institution is in clear violation of the Equal Credit Opportunity Act and Consumer Credit Protection Act!

In light of the above violations, I kindly demand, Since I have been denied access to my own credit, that you please retract my application!

Please acknowledge receipt of this dispute letter within 10 business days and inform me of the actions taken to address my concerns. Should you require any additional information from me to facilitate this process, please do not hesitate to contact me. 





XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-20 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: EQUIFAX, INC.
State: PA

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: Experian Information Solutions Inc.
State: PA

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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX  the 3 major credit bureaus had a hard inquiry for a credit card from XXXX XXXX. I called XXXX saying I did not authorize any credit pulls or hard credit inquiries, and they mentioned that banks do not need any permission to submit any hard inquiries to anyones credit report ( even if it hurts the score ). 

I called XXXX XXXX  and they denied pulling a hard inquiry and they claimed they have no records of such pulls on my SSN. Despite the fact that all 3 major bureaus mentioned it.

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 2023-11-20 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: NJ

Complaint narrative:
To Whom it may concern. I am writing this complaint in lieu of information on my credit report ( Late Payments ) that I have not authorized whatsoever. I have been violated and I am requesting and demanding that these matters be taken care of immediately, Deleted. As the law states. 15 U.S.C. 1681a, Sec 2 Exclusions 1 states, ) They are not allowed to share any information with third-party entities and they have indeed done so. Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include. You are not allowed by Law to report late Payments to anyone without my Permission. ( A ) subject to section 624, any 1 ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; And the fact that these companies have shared my personal information with third-party entities is a violation of my rights and it is against the law. I am demanding that the late payments be deleted from my credit report from the following violators. I will continue to press this matter until it is completely resolved, and I am asking that a full investigation be done. They have shared information in regard to my personal accounts with third-party entities without my consent or permission. 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 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 XXXX XXXX XXXX I am requesting that these late payments be deleted from my account as they are a violation of my constitutional rights. And further a violation of 603 - 15 U.S.C. 1681a.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prince Parker & Associates
State: DE

Complaint narrative:
I did not receive anything until this document on XX/XX/23 that was dated on XX/XX/23

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 2023-11-20 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: NY

Complaint narrative:
Take a look at the documents attached. I would like the bureau to commence an examination of these accounts, as I have never been tardy with payments, yet they are erroneously marking me as overdue.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are several concerns I have with XXXX, XXXX and Equifax. 

There is an account from XX/XX/2014- XXXX XXXX XXXX XXXXXXXX - that has been there since XX/XX/2014. I've requested for this information to be deleted withing the law, and none have ever removed anything.

How can this continue to occur?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am an XXXX XXXX XXXX college student, and I am on a joint account with my father. About XXXX months ago, my dads bank account was hacked and he filed a claim with the merchant and they put the money back into his account. A month later Bank of America said that his account shouldnt have been credited so then they put his account in the negatives, even though the merchants refunded him. Then XX/XX/XXXX, they took over {$270.00} out of my account to fix his overdraft fees although he was clearly hacked and the merchants fixed the problem. So now Im out of {$270.00} and my account is literally at XXXX dollars. Another problem with bank, about XXXX months ago I was scammed through my XXXX, and the bank told me that it will be investigated in XXXX business days, then it was XXXX, then it was XXXX, then it was XXXX. After waiting over a month they came back to tell me that they cant do anything and that I can have the info faxed so I can sue the person. It wasnt ideal, but reasonable. Now Ive been waiting over a week which was longer than what I was told, and still nothing. Now they are back tracking telling me that they cant give any information about the person when this has happened in the past and Ive gotten their information.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
( See attachments and supporting documents ) XXXX, XXXX, TransUnion shows bankruptcy filed in my name on my credit report, has NOT produced any evidence of documentation that has my signature, showing I filed for a bankruptcy at anytime. This is false and must be deleted immediately from my credit report. Showing 2 filings. There is no documentation and I did NOT file ANY bankruptcy filing. 
Please send me supporting documentation that has my SIGNATURE where I signed these documents OR DELETED, REMOVE and UPDATE my credit report you keep in my name and forward a copy of the UPDATED REPORT to my address you have on 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 2023-11-20 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: IL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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