vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I applied for the disaster forebearance plan for the event of the beginning of this year. I was enrolled in the forebearnace program on XXXX of XXXX, my forebearance plan expires on XX/XX/XXXX of XXXX. I recieved a call from the lender XX/XX/XXXX about completing a loss mitigation packet and moving forward and stated that I was on COVID forebearance and I asked to verify and it was a disaster forebearance. I believe that it was coded to COVID forebearance instead of disaster forebearance on the lender 's end. The representative over the phone told me that I may want to complete the process as soon as possible that my escrow was currently negative and I have interest that is currently incurring. I don't know if this is true or not but I do know based on forebearance plan that this is unfair and especially if this was indicated a XXXX XXXX loan based on what the lender explained to me. Next, lender told me that it's a problem for the approval team to put the 7 months in deferral if i don't cover XXXX and XXXX monthly mortgage. However, the odds of it approving higher if I just defer 6 months of mortgage. This makes no sense since I am eligible for 12 months of forebearnace. Attached are the disaster payment deferal I found on the 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 explanation
Consumer complaint received 2023-12-06 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:
All XXXX credit bureaus ( XXXX, XXXX and TransUnion ) have reported a XXXX XXXXXXXX bankruptcy on my credit report as a result of identity theft. I did not file bankruptcy. Also, the name on the bankruptcy does not match my full legal name : 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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
All XXXX credit bureaus ( XXXX, Equifax and XXXX ) have reported a XXXX  XXXX bankruptcy on my credit report as a result of identity theft. I did not file bankruptcy. Also, the name on the bankruptcy does not match my full legal name : XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: GA

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-12-06 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: IL

Complaint narrative:
I am writing to request the removal of non-permissible credit inquiries from my credit report. My report was pulled by the following companies without my authorization or knowledge. 
XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2023-12-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: LD Holdings Group, LLC
State: NE

Complaint narrative:
I am in the process of selling my home. It has an assumable VA loan and the mortgage is held by Loan Depot. I had a buyer sign an contract to buy my house and assume the loan on XXXX XXXX. Loan Depot received the Loan Assumption Application from the buyer on XXXX XXXX ( verified through their customer service ). I have contacted Loan Depot multiple times over the last three months for updates and they continue to say they are 'working on it '. They will not provide the name or number of the loan specialist working on it and when I have gotten a return call, the response it always, we are working on it. On XX/XX/XXXX, I created a help ticket with the VA as there was still no update with firm dates from Loan Depot and we were to the 45 day point from Loan Depot receiving the loan application. Per VA Circular XXXX the Loan should have been approved ( or denied ) within 45 days of receipt. Both the VA and I reached out and were told the loan would be processed NLT the XXXX of XXXX. It was not until XXXX XXXX that the buyers received a message from Loan depot saying they received conditional approval for them to assume the loan. Since that time, I have asked for updates and a firm closing date, and have received nothing. Last week, XX/XX/XXXX, I called for an update and filed a complaint in the Loan Depot system. I have not received communication from them since and called today to follow up. I was told the complaint was opened yesterday ( XX/XX/XXXX ) and they loan was 'at Stage 3 and with the VA for approval '. I then contacted the VA this morning ( XX/XX/XXXX ) and they have nothing in the system from Loan Depot other than the answer to the initial VA inquiry on XXXX XXXX saying Loan Depot would provide an update. the loan is not 'with them'.. 
I have extended the date of closing on my new home twice and now risk losing it as we can't get a firm closing date on the assumption of my current house. 
Finally, when calling today, Loan Depot told me they would not update me again until the XXXX of XXXX ( another 3 weeks ). This process should have taken around 60 days and we are now at the 90 day point with no end in sight. I am looking for assistance to get this loan finalized so I can move on. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was alerted in XXXX by XXXX and Chase, that there was a change on my credit report. I received an email from Chase that more information was needed from me before my application would be reviewed. I thought it was a scam so I deleted it. Then I learned from XXXX, after checking my credit report that someone applied for a Chase card in my name. I contacted XXXX immediately, and they provided me the number for Chase to call. Chase fraud dept. immediately denied the application, XXXX updated all three credit sites to note fraud was suspected and to contact me directly for any reason. A few days later, the same thing happened. I contacted Chase again, the application was denied and this time I went to all three credit sites to freeze. I went to a Chase branch to pick up the necessary forms, to submit a claim to obtain the applications received. I received the forms today. 

Reference # XXXX XX/XX/XXXX : Application submitted by XXXX XXXX XXXX XXXX XXXX  Application Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX Telephone ( XXXX XXXX XXXX ) - this is not my phone Cell - XXXX  - I only have a cell phone Alternate N/A Social Security Number XXXX XXXX XXXX XXXX  - this is my SSS. I checked the SSA site and I don't see any sign of damage or fraud, nor have I received anything, but I don't know how this person has my SS # Date of Birth - XX/XX/1963 Income - {$98000.00} - this is actually incorrect, I am unemployed Mother 's maiden name - XXXX - this is incorrect. XXXX is the married name email : XXXX IP address : XXXX Employer - NA Position with Employer Employed Employer Telephone NA Authorized User : NA Authorized User Date of birth NA Reference # XXXX Application submitted by Internet for Chase Freedom card on XX/XX/XXXX at XXXX XXXX  Application name : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Home phone XXXX XXXX XXXX Cell NA Alternate NA SS # XXXX Date of Birth XX/XX/XXXX  Income XXXX annually Mother 's Maiden name XXXX email address XXXX XXXX address XXXX Employer NA Position Employed NA for Employer phone, Authorized user and authorized user date of birth

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CO

Complaint narrative:
My loan servicer, MOHELA, notified me on XX/XX/ that my student loans were forgiven as part of the IDR one-time account adjustment. I also received a copy of my Loan Verification from MOHELA as part of their notification. MOHELA stated in the notification letter that they already notified or would notify all national credit bureaus of my student loan forgiveness by the end of XXXX, and that they would process a refund for any payments made towards my loans after the effective date of their forgiveness. 

MOHELA did not notify all three national credit bureaus of my student loan forgiveness until after I filed disputes on my credit reports on XX/XX/. I still have not received a refund for my overpayments and MOHELA has not made any attempt to contact me since I received their notification. 

MOHELA also makes it practically impossible to contact them. They do not provide an email address to contact them at. Their internal secure messaging portal does not give an option to send a message about IDR account adjustment refunds nor does it give an option to send a message about something other than their predefined choices. Their wait-times for phone calls are 1-2 hours or more, and their website explicitly states that their customer service representatives have no further information to provide related to forgiveness from IDR account adjustments. 

On top of this, MOHELA updated my loans current principal balance in my customer account and with all three national credit bureaus to {$0.00} even though their XXXX XXXX stated the current principal balance was - {$4600.00}, which is the amount I overpaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Deposited a check to Wells Fargo on Saturday. 
Typically if you deposit on a weekend you dont receive funs until Tuesday or Wednesday. Come Wednesday i get told there is a XXXX week hold placed on my deposit because the maker of the check didnt have enough funds to cover the transaction. I spoke with the maker of the check and they told me that they had the amount withdrawn from their accounts that Monday. Their bank told them that the problem was with wells fargo. I called my bank back ( wells fargo ) they said they never recovered any money from them. And i had no other solution than to wait the XXXX weeks.

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 2023-12-06 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: IL

Complaint narrative:
I am writing to request the removal of non-permissible credit inquiries from my credit report. My report was pulled by the following companies without my authorization or knowledge. 
XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: Applied Data Finance, LLC
State: FL

Complaint narrative:
0n XX/XX/22 there as a hard inquiry for a loan by an agency in XXXX XXXX called Personify which I did not solicit or requested. 
When i XXXX searched the firm and checked my credit core I got an XXXX number. I called and its an automated line asking for your last 4 digits of your social and birthdate. I refuse to give this information to get to a live person. 
Below is the info from the Credit report : Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose WRITTEN AUTHORIZATION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: IL

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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 respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

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 2023-12-06 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: Aldous & Associates, PLLC
State: AL

Complaint narrative:
I was trying to get a personal loan to consolidate my credit card debt and I was denied because of the damages on my report According to 15 USC1681 LAW there should not be any damages. This is a defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I was trying to get a personal loan to consolidate my credit card debt and I was denied because of the damages on my report According to 15 USC1681 LAW there should not be any damages. This is a defamation of character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
Our Business Paypal account was shut down without reason. They were unable to disclose why. There was a balance of {$1600.00} that they are refusing to release. 
XX/XX/XXXX XXXX funds were accepted XX/XX/XXXX and email was sent saying they were reviewing and shutting down our account and funds would be held for 120days. 
XX/XX/XXXX I recived emails that our funds were available. i went on the account and an error occured when trying to recieve funds. 
XX/XX/XXXX the account says it will not be able to release the funds till XX/XX/. 

I am a XXXX XXXX XXXX  of 10 years. We just opened an online store and linked our paypal account to it. Our regular cutomers used this site and paypal to purchase hair products. they chose in store pickup. Our customers all have came to pickup their goods. But we have not recieived any funds for the goods. Paypal is holding it without reason. 
They have not reached out to any of our customers to confirm our business or recipet of goods. th Paypal has not contact number and their online help leads to nowhere. We are a small business and they are holding our money hostage. I have read many articles that they will keep the remaining balance as a 'fee '. 

HELP! This should be illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: MO

Complaint narrative:
Experian has closed another complaint without addressing the issue and the problem is that Experian has stolen NOW 18 months of on time never late payments to XXXX and refuse to give them back and just gave another totally useless and XXXX explanation that has absolutely nothing to do with the problem

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 2023-12-06 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: TX

Complaint narrative:
I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to urgently seek assistance regarding multiple unsuccessful attempts made to both my creditor and the credit bureaus concerning inaccuracies in my credit report. 

Despite my persistent efforts to rectify the issue, there are accounts listed as " charged off '' that continue to display an incorrect balance. As per my understanding of regulations, this discrepancy violates legal standards. Moreover, when I diligently pursued investigations with the credit bureaus, the responses received merely affirm the validity of these inaccuracies, without addressing the root cause These errors are significantly impacting my financial standing and credibility. I am reaching out to the Consumer Financial Protection Bureau in the hope of receiving guidance and support to navigate this frustrating situation. Your expertise and intervention in this matter would be immensely appreciated. 

I have documentation supporting my claims and am willing to provide any necessary information to facilitate a swift resolution. Your prompt attention to this matter would be invaluable in restoring accuracy to my credit report. 

I filed a dispute with XXXX XXXX XX/XX/2023 I filed multi with XXXX maybe 2 each year and Thank you for your time and consideration. I eagerly await your guidance and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: GA

Complaint narrative:
I am writing to urgently seek assistance regarding multiple unsuccessful attempts made to both my creditor and the credit bureaus concerning inaccuracies in my credit report. 

Despite my persistent efforts to rectify the issue, there are accounts listed as " charged off '' that continue to display an incorrect balance. As per my understanding of regulations, this discrepancy violates legal standards. Moreover, when I diligently pursued investigations with the credit bureaus, the responses received merely affirm the validity of these inaccuracies, without addressing the root cause These errors are significantly impacting my financial standing and credibility. I am reaching out to the Consumer Financial Protection Bureau in the hope of receiving guidance and support to navigate this frustrating situation. Your expertise and intervention in this matter would be immensely appreciated. 

I have documentation supporting my claims and am willing to provide any necessary information to facilitate a swift resolution. Your prompt attention to this matter would be invaluable in restoring accuracy to my credit report. 

I filed a dispute with XXXX XXXX XX/XX/2023 I filed multi with Experian maybe 2 each year and Thank you for your time and consideration. I eagerly await your guidance and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC
State: MN

Complaint narrative:
The company flagship put a debt on my acct which I consigned for with my brother the debt became charged off and closed and they are still holding this debt on my credit acct. I spoke with them before and they said they would remove it now they dont even answer for me so I havent spoke with them in over 8 months. The charge off was because transmission on the car went out and they said the warranty didnt cover it any longer so he stopped paying

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