vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 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: MOHELA
State: MI

Complaint narrative:
Hello, MOHELA is my student loan processor. In short, they have wrongfully reversed my loan discharge AND disclosed inaccurate information to XXXX XXXX without my consent leading to the denial of my mortgage just before the loan closed. 

The reversal of my loan discharge and the lack of transparency and incompetency of MOHELA has led to excessive cost, potential homelessness, and a mortgage denial. Please see below. 

In addition to the end result of MOHELA 's inability to correctly process my loan forgiveness, they just disclosed the following to XXXX XXXX without my consent and I'd like to discuss my options. 



From : XXXX, XXXX Sent : XXXX, XX/XX/2024 XXXX XXXX  To : XXXX XXXX XXXX XXXX Subject : RE : Auto Payoff XXXX XXXX I just called but was unable to reach you. 



We are running into issues with the Mohela student loans. The underwriter called them for clarification on what we discussed yesterday regarding the forbearance vs forgiveness. They did not provide/ allude to the same information that we were under the impression of yesterday. 



The Mohela agent told our underwriter that the loans are not being forgiven and are not eligible for forgiveness. She then stated that the letter stating that the forgiveness was sent in error and that there was a letter sent XX/XX/2024 stating that the forgiveness letter was sent in error and that your loans are not forgiven. ( seems very unethical and shady  ) They then told us the loan is only in forbearance until XXXX XXXX XXXX, and that there is a separate forbearance showing a date of XXXX but that is just a place holder and they told us that is there because the loans are being disputed and once that dispute is completed then the forbearance will end. 



Essentially, they are telling us, that nothing is going to be forgiven and that you dont qualify for any of the forgiveness programs yet, they told us the forbearance is until end of XXXX XXXX and then there is a forebearance due to XXXX disputing XXXX loan and that forbearance has a date of XXXX but they told us that is just until the dispute is over. 



I am really not sure what to do here. With this information, we must use .5 % XXXX % of the balance as a payment and that would push your debt to income ratio out of line. 



Please give me a call to discuss. 



Thanks, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX, MN XXXX XXXX XXXX Tel XXXX Ext. XXXX XXXX Thank you for your time and consideration. I look forward to hearing from you. 



Kind Regards, XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: IL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX a false application for credit was entered on to my credit report. i did not apply for credit through Capital One - someone has my information to apply with. a second application was submitted a day or two later. capital one identified the hard inquiries on my credit as applications made, denied them both, and i requested documentation of the same. they said they do not provide such documentation. this complaint is XXXX  : someone is making applications in my name and i can not confirm that capital one has denied said applications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: IL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-26 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: MA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 2024-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I made a deposit of XXXX it was a check drawn off a XXXX bank I went to XXXX bank first they did not have the funds available there and would have to order. So thats when I took to the navy federal which is my bank and was told funds would be available Monday. I requested the reason and they just keep saying its there policy. Ok but the email said something was suspicious so what is it. Its not and verified funds and available. Will post information below.

Important Info About Your Deposit We're delaying {$9700.00} of your total deposit of {$10000.00} into your account ending in XXXX, received on XX/XX/2024. We've taken this precaution because we have reasonable cause to believe that the check is uncollectible from the paying bank based on confidential information that indicates that the check may not be paid. If the bank pays the check, you can expect to receive your funds within 5 business days of your deposit.

We understand this may be an inconvenience and are sorry for the delay. Please know, the security of your account is our top priority. 
If you have any questions, please call us toll-free anytime at XXXX. You can also send us a secure message through online banking at XXXX, or write to us at : Navy Federal Credit Union, XXXXXXXX XXXX XXXX, XXXX, VA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: MI

Complaint narrative:
Received emails indicating that an account in my name was using new login info, changed the account phone number and address on an account I never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: DC

Complaint narrative:
I called BSI Financial Services to discuss an error at closing by my title company which caused me to overpay into escrow. From my XX/XX/XXXX closing through the XXXX due date for XX/XX/XXXX property taxes, I had been paying into my escrow account with the understanding that I would be paying that tax bill. However, due to the timing of the creation of the tax ids for my new construction condo, I am not responsible for the first tax bill which was paid by the developer. 

I will have to write a check to correct for the error at closing and assumed my overpayment to escrow would be repaid to me by BSI Financial Services. I have made several phone calls to BSI Financial where they indicated to me that an escrow analysis was underway and that I should call back " next week '', " in a couple of days '', " after XX/XX/XXXX '' depending on the customer service person. Today, XX/XX/XXXX, I called and was told that they determined that no escrow analysis will be completed. I have paid + {$4000.00} plus into escrow for a tax bill that I will not be paying and BSI Financial intends to hold on to those funds until at least XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX a false application for credit was entered on to my credit report. i did not apply for credit through XXXX XXXX - someone has my information to apply with. a second application was submitted a day or two later. XXXX XXXXXXXX identified the hard inquiries on my credit as applications made, denied them both, and i requested documentation of the same. they said they do not provide such documentation. this complaint is twofold : someone is making applications in my name and i can not confirm that XXXX XXXX  has denied said applications.

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 2024-04-26 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-26 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Equifax : -XXXX XXXX ( CLOSED ) Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CLOSED ) Account Number XXXXXXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXXXXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
According to 15 USC 1681e- Compliant procedures, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates. 
15 USC 1681i- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( iii ) by not later than 15 days after receiving a request from the consumer description. These items have failed to be verified. I would like to have them removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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:
Upon reviewing my credit report, I've noticed unfamiliar items that seem to indicate potential identity theft, as I did not authorize these accounts. This issue has been previously discussed, and I am now requesting expedited removal of these accounts from my report. Their presence is causing considerable stress as they do not accurately reflect my credit history or financial responsibility. Dealing with this situation has been challenging, and if a resolution can not be reached, I am prepared to pursue legal action to safeguard my rights and find a resolution. These inaccuracies are significantly hindering my ability to achieve important financial milestones, such as purchasing a home and supporting my family. I sincerely hope for a swift resolution to this matter.

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 2024-04-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Credit Corp Solutions Inc.
State: VA

Complaint narrative:
I received a call from Credit Corp Solutions from XXXX on XXXX XXXX at approximately XXXX XXXX XXXX. The phone call came to a business line. When the phone was answered the representative of Credit Corp only ask if I was XXXX. I stated, " yes. '' She then began to read the notice of collection. During this call there was not verification of to whom she was speaking. She disclosed an address and the complete date of birth. ( Month Day Year ). I stated that that was a violation and she did not verify with whom she was speaking. She attempted to justify that when she asked about the address and I did not state it was not the correct address. I asked to speak with a supervisor. It took about the time of our call to get the supervisor on the line. I confronted the supervisor of the associate not verifying the person on the line. She repeatedly asked if I was XXXX. She asked if she should take the number they called off their call list. I repeated to ask how they would handle the violation. She refused to address the concern.I advised I would contact the FCC ( I meant the FTC ). I then ended the call and place this complaint, and request sanctions and fines based on the out come on the review of the recording. I fear the recording XXXX be lost because of the way the supervisor handled our conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: AmerAssist A/R Solutions, Inc.
State: NY

Complaint narrative:
According to XXXX in Article 49A unpaid medical debt is not allowed to be reported to credit reporting agencies. This law has been in effect since XX/XX/2023

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint personally. Upon reviewing my credit report, I noticed instances of late payments. Despite sending letters over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I respectfully request your assistance in addressing this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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:
I am filing this complaint personally. Upon reviewing my credit report, I noticed instances of late payments. Despite sending letters over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I respectfully request your assistance in addressing this issue.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
JPMCB has been reporting to all 3 bureaus inaccurate payment history showing my date of default to be both XX/XX/XXXX and XX/XX/XXXX when it was actually several months prior, also this Open-Ended account was closed past the State of Alabama Code Section 6-2-37 ( XXXX ) XXXX allowance causing the balance to be incorrect as well. 

The original date of default being extended inaccuratly was intentional and set in place to supress my credit perventing me from making a home purchase.

Company response to consumer: Closed with non-monetary relief