vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CO

Complaint narrative:
I have worked for the XXXX XXXX XXXX XXXX XXXX, starting when I was XXXX XXXX XXXX. When I started working I was already in college and it took me about XXXX more years to finish due to unexpected kids, wife getting laid off, needing to work extra hours to pay the bills, and so on. I eventually made it though and graduated when I was XXXX. Due to having XXXX kids, low paying, jobs and struggling to pay bills I chose the lowest repayment plan I could to get by. I did this for about XXXX or so years until I decided to check into my PSLF status to see how close I was to get my loans forgiven. This is when I learned none of my payments counted towards this program. Not a single one of those 85 or so payments counted because it was not a qualifying repayment plan. Plus some of my loans were not eligible because they were FFELP loans. Doing some research it seemed there was really nothing I could do about it. So I decided since I have to start from zero might as well consolidate to get my various loans, particularly my ineligible loans, into one eligible loan. I applied for an income driven plan to make sure I was making eligible payments going forward. Amazingly the income driven was far less than the lowest plan I was paying for. My new payment was {$70.00}! How broken of program is it when I was making a combined {$350.00} payments a month for seven plus years and those don't count. Yet my {$70.00} payment does count? Right after I consolidated COVID hit and the payment pause took affect. Then the PSLF limited waiver came out and I immediately applied for it. With my seven plus years of payments and two years of payments freezes that still count towards payments I have to be real dang close to getting these loans forgiven. Excitement is in the air. I got a letter giving me a breakdown of my eligible payments and it only counted payments since I consolidated. My understanding is that payments before consolidation will count towards this limited waiver. I was told when you consolidate only the ELIGIBLE payments made before consolidation will count as part of the limited waiver. Seriously? I consolidated because I was told my prior payments didn't count because they were not eligible payments amd some my loans were not eligible. So I consolidated and got on the correct plan. So I was squared away and just had to make 10 more years of payments. This waiver comes along and because I did what was best for me at the time two years I am now screwed out of getting my loans forgiven later this year. If I had not consolidated two years ago my loans would be getting forgiven by XXXX. But because I was doing what I needed to do two years to get my loans forgiven down the road it made me ineligible for forgiveness now. Broken system. I just can't anymore. A person like me who tries to do everything right and I just keep getting screwed over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
On XX/XX/XXXX I contacted Transunion about the following negative accounts XXXX XXXXXXXX XXXX ( Account Number : XXXX, Date Opened:XX/XX/2017, High Credit : {$5000.00} ), XXXX XXXX  ( Account # XXXX, Date Opened : XX/XX/XXXX, High Credit : {$72000.00} ), XXXX ( Account XXXX : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$15000.00} ), XXXX XXXX XXXX  XXXX ( Account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} ), XXXXXXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$360.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$180.00} )XXXX XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2400.00} ). Its been over 45 days and Transunion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, 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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, 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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NV

Complaint narrative:
This is an attempt to collect money owed to me by M & T Bank who refuses to return funds back to me, which have satisfactorily been proven to belong to me. This misappropriation occurred immediately following the previous complaint to CFPB. 

1. M & T Bank admit they had the money since XX/XX/2022. They did not quickly inform me of this. They did not immediately return it to me. They only brought it to my attention much later, when their computer kicked out an unapplied funds letter. 

2. They admit they would not return it to me after XXXX stated it would be sent back. XXXX did not investigate any aspect of my account and in a demonstration of how much M & T is trying to keep these funds : - They took my money and made it a " payment to principal '' after saying they do not accept partial payments and AFTER I had been promised the money would be returned to me. 
- They made no attempt to discover where the funds originated until the CFPB complaint - They returned the funds to a third party who has no right to my payments or any further responsibility for my mortgage. 

3. They admit they returned it back to the originating loan company, XXXX XXXX  on XX/XX/XXXX, instead of returning it to me as promised. 

This can only be regarded as malicious retaliation since M & T is aware I have no account any longer with XXXX. How is it not illegal to give my money to someone else, when I should have them sent back, AS AGREED? 

I demand that M & T Bank stop this deliberate attempt to prevent me from obtaining my money. Get my money back in the next 24 hours and overnight me a check. Legal action may follow shortly. 

Please note - previous PDF response from M & T bank contains no attachments or any documents other than the actual letter of reply.

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 monetary relief
Consumer complaint received 2022-04-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: CA

Complaint narrative:
Im selling a home in XXXX and our buyers secured a loan with Primary Residential Mortgage and was pre- approved for {$260000.00}. The appraisal came back at {$250000.00}. We lowered are price to help out the buyers. They originally started out trying to get a USDA loan. 

The rate for the USDA loan was never locked in. We found out 4 days to close that the loan officer XXXX XXXX XXXX # XXXX never locked in the rate. The rates went up forcing our buyers out of this loan. The XXXX XXXX XXXX XXXX XXXX # XXXX took over the loan and switched the loan to FHA. 

Meanwhile, we were promised to close on XX/XX/XXXX. Then it was pushed to XX/XX/XXXX and now pushed to XX/XX/XXXX. Communication between the buyers and loan officers promised closing on these dates via text messages. 

Meanwhile, im the seller believing the communications from the loan officers promising to close. I have paid so far over {$7000.00} dollars to move my belongings to XXXX, also, {$460.00} to turn on utilities. However the biggest concern is that if this keeps dragging on I will lose my home in Texas that Im trying to buy. I have had to pay more for food and other expenses because all my belongings are in XXXX As well as my beds. Im being forced to sleep on an air mattress due to this gross incompetence in handling this loan.

This is completely unfair to me because 1 ) my buyers picked this lender 2 ) based on the loan officers info we believed that the loan would close and based on that shipped our belonging to our new city.

3 ) had Ive been given accurate information I would not have spent all this extra money. 
4 ) im XXXX on a fixed income and cant keep throwing money away for a loan that may or may not close as promised.

5 ) Had the loan officer done their due diligence we would not be in this situation. 

These buyers were pre-approved so we had no reason to believe that there would be issues. The fact that we were told 4 days to close that there was a problem demonstrates the gross mishandling, incompetent, deceptive practices and unethical business practices being preformed by this financial institution. 

Im filing this complaint to help stop this incompetent lender from harming others.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I called trans union several times and can not reach a person to address the fact that the XXXX XXXX XXXX  credit not only had no late payments but was paid off Witt a clean account that then closed with XXXX balance as well. They show it with XXXX payment abs derogatory notes on payment history. I still need this fixed. I called XXXX. They said it was never late enough to report to a bureau, so I am not sure what happened.

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 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Rocket Mortgage did not have a product that applied to the mortgage loan I requested with a live agent ( investment property, high credit score, $ XXXX loan amount, 20 % down ). The amount was too small. The agent should have had these guidelines, and knew my credit score from a soft pull. But the agent requested that I permit a hard pull anyway, knowing ( or should have known ) that the loan was under the minimum mortgage amount. Now I have a hard pull on my report ( and that of my wife ) and didn't need to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$15000.00} ), XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$120.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2400.00} ), XXXX  XXXX XXXX ( Account Number : XXXX, Date XXXX, High Credit : {$5000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, 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:
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 ACCOUNT WITHOUT WRITTEN INSTRUCTIONS 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ACCOUNXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was granted Forebearance by my Mortgage company XXXX from XX/XX/XXXX to XX/XX/XXXX -- - They unfreezed my credit and just started this month in XX/XX/XXXX to add negative information- that I was late 26 payment, when i was actually in forebearance. They took one year to modify my mortgage payment from XX/XX/XXXX to XX/XX/XXXX, and just sent my first new statement in over a year ... that my payment was changed from {$2800.00} to {$2500.00}, new payment effective XX/XX/XXXX. Also I wrote back on XX/XX/XXXX that my common law spouse also a co-borrower on my the shared mortgage loan, died back on XX/XX/XXXX as i have death certificate on file, wrote a hardship letter to XXXX... they have ignore my request. XXXX XXXX was a XXXX XXXX working the XXXX  XXXX XXXX  at XXXX XXXX and also at a XXXX XXXX... .was very sick from XX/XX/XXXX to XXXX XXXX when he died at home from XXXX causing mulitple XXXX in his body. I requested XXXX for hardship on my mortgage loan and they have ignore my request. I am seeking further help for CFPB to intervene in this matter. Their Loss and migitation department is a mess, that handle forebearance customers ... .I request help many times..and they are messed up my credit report as being late 26 times.

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 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was granted Forebearance by my Mortgage company XXXX from XX/XX/XXXX to XX/XX/XXXX -- - They unfreezed my credit and just started this month in XX/XX/XXXX to add negative information- that I was late 26 payment, when i was actually in forebearance. They took one year to modify my mortgage payment from XX/XX/XXXX to XX/XX/XXXX, and just sent my first new statement in over a year ... that my payment was changed from {$2800.00} to {$2500.00}, new payment effective XX/XX/XXXX. Also I wrote back on XX/XX/XXXX that my common law spouse also a co-borrower on my the shared mortgage loan, died back on XX/XX/XXXX as i have death certificate on file, wrote a hardship letter to XXXX... they have ignore my request. XXXX XXXX was a XXXX XXXX working the XXXX  XXXX ward at XXXX XXXX and XXXX at a XXXX XXXX... .was very sick from XX/XX/XXXX to XXXX XXXX when he died at home from XXXX causing mulitple XXXX in his body. I requested XXXX for hardship on my mortgage loan and they have ignore my request. I am seeking further help for CFPB to intervene in this matter. Their Loss and migitation department is a mess, that handle forebearance customers ... .I request help many times..and they are messed up my credit report as being late 26 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was granted Forebearance by my Mortgage company XXXX from XX/XX/XXXX to XX/XX/XXXX -- - They unfreezed my credit and just started this month in XX/XX/XXXX to add negative information- that I was late 26 payment, when i was actually in forebearance. They took one year to modify my mortgage payment from XX/XX/XXXX to XX/XX/XXXX, and just sent my first new statement in over a year ... that my payment was changed from {$2800.00} to {$2500.00}, new payment effective XX/XX/XXXX. Also I wrote back on XX/XX/XXXX that my common law spouse also a co-borrower on my the shared mortgage loan, died back on XX/XX/XXXX as i have death certificate on file, wrote a hardship letter to XXXX... they have ignore my request. XXXX XXXX was a XXXX XXXX working the ICU XXXX ward at XXXX XXXX and also at a XXXX XXXX... .was very sick from XX/XX/XXXX to XXXX XXXX when he died at home from XXXX causing mulitple XXXX in his body. I requested XXXX for hardship on my mortgage loan and they have ignore my request. I am seeking further help for CFPB to intervene in this matter. Their Loss and migitation department is a mess, that handle forebearance customers ... .I request help many times..and they are messed up my credit report as being late 26 times.

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 2022-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: TN

Complaint narrative:
sending me a paper stating that owed for an account called XXXX from 2015 and never got an account open from there and keep harassing me

Company response to consumer: Closed with explanation