vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
XXXX  held my XXXX XXXX XXXX from XXXX to about a few years ago when they sold my loan to Aidvantage. During that time I had trouble getting clear information about my loan. I called constantly about how they were not applying my second monthly payments toward my principal. They would literally give me false information. In XXXX I received a notice from US Department of Education showing my payment History from XXXX. It showed my payments were applied incorrectly in favor of XXXX  and multiple reversed charges. I have tried to contact XXXX  in the past and they simply said they can not help me because they no longer hold my loan. Now I cant even get in touch with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted in XXXX request to block information on my credit file due to being a victim of XXXX XXXX They asked me to provide a document proving I was a victim which I provided on XX/XX/XXXX. They are now asking me to provide proof of my address, which I do not have Because I am currently living in a hotel for my safety. I dont have a utility bill with my current address I moved out of the state that I was in and I am using a temporary address for my safety. They worker who is handling my case to provide me an alternative, but she said there is none Removed from my credit file so I can get accepted into a program for victims of 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 2024-09-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
Credence Resource Management , XXXX XXXX XXXX XXXX  Hi XXXX, we previously sent you information for the balance due on the XXXX XXXX XXXX XXXX XXXX. Your balance is {$100.00}. Contact us at XXXX to discuss options. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT

Complaint narrative:
COVID-19 impacted me as many millions of Americans ; I was struggling to make payments because of COVID-19. By XXXX, XXXX was my bank, and I was told that a forbearance would help delay my payments during the pandemic and that, in the end, I would get help with the unpaid amount, like some government assistance. Somehow, XXXX transferred my mortgage to Carrington Mortgage Services LLC, which started to change everything, after six months of the forbearance, I started to receive pression from Carrington, and via phone call, a representative told me that I will get another six months of forbearance, which I agreed and completed all their requirements via the same phone call. When the six-month grace expired, I called Carrington back to see what my option was, and to my surprise, I was informed that another six months of forbearance was available for my case. So, after this third forbearance option, I called Carrington again, and I was told that my only option was to refinance the mortgage. Since the beginning, I have been told that the forbearance amount will be carried out to the end of the mortgage and that assistance will be provided. Hence, I agreed to refinance my mortgage, but only for the forbearance amount of around $ XXXX. The package with the information received was not what we discussed in that last call, so I called back and informed a representative that I would not sign because it was different from what we discussed. I received a complete mortgage modification, which refinanced the whole mortgage for 30 more years and put the amount due ( forbearance ) at the end of the mortgage for ten more years. I called to refuse this proposal, but I was pressured and threatened by a Carringtons representative who told me that refinancing is my only option or to pay the whole amount due ( $ XXXX ). 
I had no other option than to sign the mortgage refinancing package with fear of losing my home. But a couple of months ago I realized that there was more than one option for me to get help from that forbearance assistance when I called to make a payment a representative told me to contact the Housing & Urban Development ( HUD ) department and to my surprise HUD told me that the application period closed XX/XX/XXXX. 
Carrington not only threatened and pressured me to their advantage but did not provide me with the information to get the assistance I needed and deserved. Now, I decided to go ahead and submit this request because I do not trust Carrington anymore. Because of their lack of assistance, I am even deeper into my mortgage and owe more money, which takes longer. The pandemic was used in Carrington benefits by threatening customers and denying them the assistance they should.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
My original loan company was XXXX XXXX XXXX before the account was transferred to Planet Home Lending XX/XX/XXXX. Starting XX/XX/XXXX I enrolled in biweekly payments in the amount of {$1000.00} with automatic drafts with XXXX  and in XXXX the payment defaulted which removed me from the auto drafts. I never reenrolled and made payments manually online in the full amount of {$2100.00} and I also had a credit on the account in the amount of {$1000.00}. My account with XXXX was current and no issues. XX/XX/XXXX I received an email regarding my bank account with that a payment in the amount of {$1000.00} was automatically drafted. I called Planet Home to inquire about this matter as to the reason my account was drafted unlawfully and without my permission and was told that it was transferred from the previous mortgage company. I asked for proof and was told there was no proof that could be sent to me just the word of a supervisor. I was told to submit my bank statements for proof of all my prior payments via email. I also received a letter a few days later XX/XX/XXXX stating that automatic drafted payments will start XX/XX/XXXX I called to state that I did not want that and to stop that process and was told that it can not be stopped at this time and that I will have to submit an email with my signature to have payments stopped. I sent the email per the request XX/XX/XXXX. My complaint is the company had no authority to access my bank account and process a payment without my permission. The erroneous actions caused by this company would have caused an overdraft issue with my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XXXX of XXXX I sent a second notice letter and submitted a complaint through the mail and their website regarding some disputes on my credit report. I asked for verification of the investigation and the documents used to verify the information listed in the dispute and on my credit report and received an email in XXXX letting me know they did not believe the letter came from me but I can dispute the information online. I immediately replied and said that it was me and even sent a copy of my drivers license for verification when I mailed my request. I have never been replied to and no action has been taken on my dispute.

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX of XXXX I sent a second notice letter and submitted a complaint through the mail and their website regarding some disputes on my credit report. I asked for verification of the investigation and the documents used to verify the information listed in the dispute and on my credit report and received an email in XXXX letting me know they did not believe the letter came from me but I can dispute the information online. I immediately replied and said that it was me and even sent a copy of my drivers license for verification when I mailed my request. I have never been replied to and no action has been taken on my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX XXXX is charging me each month, although I am still in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-23 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: CA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Tx, XXXX SSN : XXXX DOB : XX/XX/XXXX Dear : APPLE CARD GS BANK USA Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX. 

I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 

Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard XXXX mail at my home address listed above. 

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within XXXX business days of the written confirmation. 

Thanks in advance XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I paid the XXXX XXXX card, issued by Comenity Bank, in full on XX/XX/XXXX. Upon logging into my account I realized the payment due date for this month was XX/XX/XXXX. I immediately called Comenity Bank to ask for a waiver of the late fee. The representative told me that the late fee would not apply to the account until the new statement date. I called again a week later to ask for a waiver of the fee and it still had not been applied to the account. I received an email statement and payment reminder today with the late fee, as well as an interest charge for that fee. ( Late fee {$30.00} + XXXX {$2.00} ). I again called Comenity and was granted a {$15.00} Late payment credit. The representative told me that she is not authorized to forgive the full amount and can not remove the interest charge. Since when did an interest charge apply to charge that is not even due yet?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I made a {$1600.00} payment to XXXX XXXX XXXX and they show the payment as received but forgot to apply it. I called them and they confirmed the payment as received which I can see on their webiste but are " looking into '' why it was not applied. I need them to apply it to my account because I have a large balance because they took my money but never applied it to my balance. 

XXXX XXXX XXXX under my name and their number is 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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account with XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX SERVICED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-09-23 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: GA

Complaint narrative:
My account with XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX SERVICED XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I have attempted to unfreeze my TransUnion credit report multiple times over the past week so I can get preapproved for a home loan. Unfortunately, the website is incredibly glitchy and will not allow mt to login due to alleged password/username errors. However, when I go through the process to verify my identity and reset my password that portion of the website doesn't work either. When I call customer service, they tell me my case will have to be elevated to a different department and to expect a call back in the next XXXX days. XXXX  days later and nothing but crickets.

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