vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 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: MOHELA
State: AL

Complaint narrative:
I am writing to dispute the presence of duplicate student loans that are being reported on my XXXX credit profile. Upon reviewing my recent XXXX credit report, I have identified that the same student loan accounts that are named 'MOHELA/DEPT OF ED '' on my XXXX credit profile, are being listed multiple times as " MOHELA '', which is creating an inaccurate reflection of my credit history on my XXXX credit report. As these " MOHELA '' accounts are duplicates of " MOHELA/DEPT OF ED '' accounts please remove them from my XXXX credit profile immediately, and keep the accurate " MOHELADEPT OF ED '' accounts on my XXXX credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I recently filed a complaint with your organization in regard to PHH Mortgage justifying an increase in garnishing escrow account by falsifying information XXXX designated our area in XX/XX/year> as a flood zone as a result our escrow account was garnished {$220.00} monthly for flood insurance, reference number : XXXX. 

In relation to the reference number : XXXX we received a letter stating they are working on handling the issue in regard to garnishing our escrow account {$220.00} monthly. This was the plan they had all along. 


Today I received another letter in the mail outlining a mortgage increase XXXX. Initially our monthly mortgage payment was {$1000.00}. But because of the flood insurance garnishing the escrow account there is an escrow shortage. This is the retaliation for the initial complaint for reference number : XXXX. I would like a summary of how much funds were available every year in our escrow account We received no letter from XXXX informing our area is a flood zone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am filing this complaint regarding a debt that Transworld Systems Inc. is attempting to collect, which is inaccurate and unverifiable. The account in question is a collection for XXXX XXXXXXXX XXXX XXXX XXXX, with an alleged balance of {$300.00}. Transworld Systems Inc. has reported this debt to the credit bureaus, which is damaging my credit profile. 

On XX/XX/year>, I sent a formal debt validation request to Transworld Systems Inc. under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In this letter, I requested that Transworld Systems Inc. provide the following : 1. Proof of ownership of the debt, including the original signed agreement or contract. 
XXXX. A complete account history from XXXX  XXXX XXXX XXXX XXXX, detailing the balance, charges, and payments. 
XXXX. Documentation proving that Transworld Systems Inc. has the legal authority to collect this debt.

4. Verification that the debt is not time-barred under state statute of limitations laws.

Transworld Systems Inc. has failed to provide any of the requested documentation. Instead, they have continued collection efforts and reported this account to credit reporting agencies, which is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

This failure to validate the debt has caused harm to my credit score and financial standing. I believe Transworld Systems Inc.s actions are deceptive and unlawful under 15 U.S.C. 1692e.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
I have a debt for XXXX of {$2400.00}. I reached out to XXXX  several occasions to verify transactions. XXXX never responded. I worked out plan with XXXX to pay off debt, and XXXX never reached out to me with no calls no emails, nothing stating that they were w3illing to work out anything. Received summons Index No XXXX from XXXX XXXX XXXX, XXXX Attorneys for Plaintiff. XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I never received any notification from any parties that a suit will be filed against me. No calls, no emails, nothing in writing. I want to file a complaint against the law3 firm for using these scare tactics. Also I was never handed a paper. The summons was placed on the door of my neighbors home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Under USC 1681 sec 7 affords me the right to know how this account XXXX XXXX was investigated and verified. How ever, it has been 5 weeks and such prove has not been made available to me by Experian, XXXX and XXXX. With so much inaccuracies being reported on this account, this is costing me money in interest rate and the 3 credit bureau now owe me {$1000.00} each.

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 2025-01-01 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: OH

Complaint narrative:
Recently, I did an investigation of my credit report and found several items on the report that were inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of Report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information : ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX XXXX  : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX XXXX  : This account is being reported inaccurately, please remove it from my account. 

XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX  : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX  XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX  : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX This account is being reported inaccurately, please remove it from my 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 explanation
Consumer complaint received 2025-01-01 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: AL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/1976, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: GA

Complaint narrative:
I did not give Mohela and XXXX my phone number and I did not give them permission to call. They took over XXXX and I already filed a letter to let them know my loans were in my bankruptcy in 2015, and I have been ignored. At this point its harassment and causing me mental distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
15 U.S.C 1681 was violated when it was involved in a data breach allowing different companies to have access and hackers to get my social and any other information that I didnt give to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: Collection Management Holdings, LLC
State: FL

Complaint narrative:
15 U.S.C 1681 was violated when it was involved in a data breach allowing different companies to have access and hackers to get my social and any other information that I didnt give to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: Kriya Capital, LLC
State: GA

Complaint narrative:
Violations of : Permissible Purpose : 15 USC 1581b Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Responsibilities of Furnishers : 15 USC 1681s-2 I have never given consent or permission to report or share any information about me. Under the Gramm-Leach-Biley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. 
There is no legal proof supporting the accuracy of these marks, and they have not been properly verified. 

I am complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report by CREDENCE RESOURCE MANAGEMENT, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or consent. However, there is no legal admissible evidence to verify the accuracy of what CREDENCE RESOURCE MANAGEMENT. This debt collection agency is reporting {$280.00} on my credit files, which is frivolous, and the debt collection agency have not validated pursuant to the requirements of the FCRA. I am complaining about the impermissible access of my credit report by CREDENCE RESOURCE MANAGEMENT in direct violations of the FCRA. I have discovered that the CREDENCE RESOURCE MANAGEMENT fraudulent account. I need proof of a wet signature of an application w/ CREDENCE RESOURCE MANAGEMENT and proof this is a credit transaction ; the agency is in violation of federal laws, and I will go legal if this isnt removed. My consumer rights are being violated. CREDENCE RESOURCE MANAGEMENT has accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Its absolutely infuriating to see inaccurate accounts on my credit report. These accounts have been dragging my score down for far too long, and its impossible to ignore how much theyve impacted my financial life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
I faxed a letter to them with the information they sent on escrow change. Fax went thru. They sent me a letter looking into and it would be 30 days. I'm over 60 days and in the meantime they send me, foreclosure stuff, delinquent stuff, letter saying they are still looking into it. Seems they never look until you are 3 months. I have my payment, what I feel is the new payment, but you can't make a payment unless you make the full amount they are looking into. If I pay that, then I'm letting them get away once again with fraud. Seems every year at this time, they do something to try and mess with me. I am going look into a lawsuit this time. My friend is looking into lawyers. It's disgusting how Carrington mortgage takes advantage of customers. I understand all the lawsuits now. My? is why already they still in business. 
Please look into this. My payment has always been {$710.00}. Escrow difference is {$57.00} XXXX. They show my payment has been {$800.00} and then added the {$57.00}. They can't just raise me like that when I have a fixed rate unless shortage of escrow, which that I agree on. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: CL Holdings LLC
State: FL

Complaint narrative:
15 U.S.C 1681 was violated when it was involved in a data breach allowing different companies to have access and hackers to get my social and any other information that I didnt give to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast to Coast Financial Solutions, Inc.
State: MI

Complaint narrative:
XXXX - Placed a call to XXXX XXXX to cancel trash service and schedule pick up of carts on XXXX, prior to the pick up service. Was informed of the {$30.00} per cart fee = {$60.00} as well as the XXXX XXXX of {$5.00} = Total of {$65.00} which we paid over the phone on XXXX. I was never informed that it takes XXXX  days to cancel a service and therefore they charged us for these XXXX  days even though they picked up the carts and did not provide any pick up service during these XXXX  days. I made them aware of this on XXXX over the phone and also indicated that it was not right for them to charge us a fuel charge during this time as there were no vehicles traveling to our home for service. Lastly, they continued to charge a late fee during this time of discrepancy in which I was promised that someone would reach out to me to finalize this account. They never called back. I am disputing this collection of a debt due to the fact that there was never a service performed during this time.

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 2025-01-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account immediately for violation of 15 USC 1681e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account immediately for violation of 15 USC 1681e ( b )

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 2025-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I was defrauded by a hotel by being given a non-jacuzzi suite when I had booked a jacuzzi suite . I had clear documentation of the suite I booked and that I had not received a jacuzzi suite . PayPal decided against me for literally no reason and refused to provide a reason when asked, even though the seller admitted that I didn't get the jacuzzi suite I booked due to errors on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
Our VA mortgage was handled from XXXX by XXXX Servicing with no problems XX/XX/XXXX XXXX sold our mortgage to Carrington Mortgage Services LLC . 
Once Carrington assumed our mortgage, we adjusted our automatic bank payments to go to Carrington. On the last day of each month our payment in the amount of {$4400.00} was transferred to Carrington without issue. Approximately two-weeks ago ( XXXX ) we received an undated notice from Carrington projecting that our escrow account would be short by {$1600.00} over the next 12-monthXXXX. We were given the option of paying the shortage upfront or paying an additional {$100.00} in future monthly mortgage payments. On Saturday XX/XX/XXXX at XXXX XXXX I received a call from Carrington Mortgage telling me our account was in arrears. This was not possible as my automatic payments reflected : XX/XX/XXXX {$4400.00} payment to Carrington = XXXX payment XX/XX/XXXX {$4400.00} payment to Carrington = XXXX payment Since that phone call my automatic payment of {$4400.00} was also transmitted on XX/XX/XXXX. 
In order to ensure the project escrow shortage for next year on XX/XX/XXXX I also transmitted an additional payment for {$1600.00} to Carrington.

Yesterday I received my monthly mortgage statement from Carrington. In the statement documented XX/XX/XXXX it acknowledges receiving my XXXX payment of {$4400.00} BUT THEY DID NOT CREDIT THIS TO MY LOAN! The document instead lists my {$4400.00} payment as " Unapplied funds ''. On this same document the statement indicates I still have a credit escrow balance of - {$520.00}. When I attempted to call Carrington Mortgage, the recorded voice on their phone XXXX informs the caller this a COLLECTION AGENCY! 
I suspect that Carrington Mortgage is intentionally refusing to apply my monthly payment to my home loan in hopes they can foreclose on the loan simply because we are one of the fortunate people who refinanced in XXXX when the interest rate was only 2.25 %. I can imagine any mortgage company would prefer to rid themselves of these low interest home loans to free up funds to use for new mortgages going at >6 % interest. Can you please help me by reporting Carrington 's bad practice and protect me so that all past and future payments are appropriately credited to my loan? Many thanks!

Company response to consumer: Closed with explanation