vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Dispute of Collection Account and Violation of Rights Dear Sir/Madam, I am writing to formally dispute a collection account that has been reported by Credit Management LP to consumer reporting agencies. This dispute is based on violations of my rights as a consumer, specifically under the regulations outlined in 12 CFR 1006.34. 

Failure to Provide Validation : The collection agency has not provided validation of the debt as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed the collection on my consumer report, impacting my credit standing without proper verification. 

Denial of Dispute Opportunity : I have not been given a chance to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). This denial of my right to dispute the account is a clear violation of consumer protection regulations. 

Use of False and Deceptive Means : The collection agency is violating my consumer rights by using false, misleading, and deceptive means. Their actions do not align with fair debt collection practices and are causing undue harm to my financial well-being. 

Failure to Provide Required Disclosures : The collection agency has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law. This failure to comply is a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Credit Management LP for their violations. Additionally, I request that the collection account be removed from my consumer report until the necessary validations and disclosures are provided. 

I am also revoking all rights of XXXX XXXX XXXX XXXX communicating with me through email, text, and calls. I am requesting debt validation and the purchase agreement between XXXX XXXX XXXX XXXX and the original creditor. I am also requesting proof that they are licensed and bonded. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: VA

Complaint narrative:
My son had an injury while we were vacationing in XXXX Florida. We had insurance but there was a problem with the XXXX XXXX accepting the insurance for some reason. We provided the insurance information but somehow they disputed we had coverage and would not accept the proof of insurance later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: MN

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

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 2024-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My card was stolen and someone use the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2024-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: KS

Complaint narrative:
I made a previous complaint with CFPB on XX/XX/XXXX, and was provided documentation on XX/XX/XXXX, supposedly to answer my questions. It did not and it only created new questions. On my XXXX XXXX XXXX XXXX XXXX, my interest balance jumped by {$7400.00} between XX/XX/XXXX, and XX/XX/XXXX. I asked for an itemization on how that interest was accrued and was told by Nelnet that they do not provide that information. I then asked for statements from the time Nelnet acquired my loans and XX/XX/XXXX - I received no statements prior to XX/XX/XXXX, and was told if no payment is due, they are not required to send statements. I could understand this IF no activity was happening on my account. However, if interest accrues and changes the balance, I believe I am entitled to a statement to track these changes and ensure accuracy. Further, payments were being made to my account, even though COVID, which Nelnet apparently thought no one was entitled to statements during this time period. I want and deserve statements showing how moneys are applied, charged and how interest accrues. Today is XX/XX/XXXX, and I have not received a statement since XX/XX/XXXX. Again, I am told they do not have to provide statements if no payment is due. This statement makes no sense, because My XX/XX/XXXX, statement shows no payment due! I want copies of monthly statements from XX/XX/XXXX, to XX/XX/XXXX. I also want a statement for XX/XX/XXXX. If Nelnet alleges they do not have these statements, I would like an itemized list of how {$7400.00} was added to my account. 
I am attaching my XX/XX/XXXX, statement showing no payment due, and the XX/XX/XXXX, response from Nelnet. Please see highlighted section of page 12.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Dear Phh or Ocwen loan com, I went to XXXX XXXX for a service. It was not for a loan modification which I never requested of them. they were unable to provide the service and I asked for a refund, which they did. I have a copy of the check given to them and a copy of the refund to me through XXXX XXXX XXXXXXXX. I didn't recognize until later that my loan was changed and split. I'm paying XXXX and I'm currently paying on the XXXX amount of the loan until XXXX and then they'll have me set to pay XXXX until. I never signed any paperwork giving consent to change my loan status for a loan modification. I was in jeopardy of being late or behind on the loan and it was no reason to ask for a loan. I saw where they had pulled my name from previous paperwork and copied it to appear that I signed for a loan document. This is designed to take my property. I've paid XXXX monthly for years now. This has been a misery too my life, worrying everyday how I've been duped. I've been caring for a parent during this time and things have changed and I'm ready to resolve this matter once and for all. I never received any paperwork asking me to approve, only by a monthly statement letting me know that my loan had been changed. I'll contact the lawyer 's office so they will know it as well and I have proof that I didn't pay for this result or request this change in my loan. I'm looking for my loan to be restored to its original payment form and loan going Forward! I was doing well on this loan on my way to total freedom in XXXX, if I Iive!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MS

Complaint narrative:
Began repayment of these loans in XXXX of XXXX. After getting information about the Public Student Loan Forgiveness program, I consolidated my loans XX/XX/XXXX. The loan servicer was then changed from XXXX to Mohela. I used the PSLF help tool at Federal Student Aid website to qualify my employers. I have three qualifying employers : XXXX XXXX XXXXXXXX XXXX worked from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXXworked from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-worked from XX/XX/XXXX XXXX XXXX 

I submit my PSLF form to MOHELA, and was told if you have Direct Loans and work for a qualifying employer, you will receive a count of the number of qualifying payments you have made toward both PSLF and TEPSLF. The current number of qualifying payments is XXXX. However, this does not take into account my qualifying payment from XX/XX/XXXX to XX/XX/XXXX. 

This loan should have been forgiven long before XX/XX/XXXX. I have a payment scheduled for XX/XX/XXXX. I have submitted W-2 's, signed forms from the employer and still no adjustment to my payment count. Please help me. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I requested a validation of debt. They failed to give me the information, so they just close the account, but didnt remove it off. They said that they couldnt remove the collection off my credit, but they closed it. The original creditor is XXXXXXXX XXXX XXXX The debt price was XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
Phishing attack gained access to my computer and my PayPal account, claiming to be submitting a refund for a subscription I did not want. Spent {$180.00} on digital gift cards that were not returned to me. When I tried to report these transactions PayPal claimed they were not unauthorized and couldnt refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: ME

Complaint narrative:
I have tried desperately just to get a billing statement from MOHELA for my taxes. I called the customer service number that MOHELA lists XXXX times on XX/XX/13, in addition to all of the other numbers that are listed. 

Customer service : XXXX XXXX XXXX XXXX - 4 times I got a message from my phone carrier that the call simply can't be completed - 1 times I was hung up on mid prerecorded message. 
- The last time I magically managed to get through. They kept me on hold to XXXXhe point where I couldn't wait any longer because I had to go back to a meeting. I repeat- I spent XXXX hours trying to get in contact. 

International numbers listed, among others : XXXX times the call simply would not connect. 

It is nearly impossible to be transferred to a person. When you do, there are astronomical wait times. 

All times that the call just wasn't outright denied, there were XXXX minutes of prerecorded, unhelpful XXXX to listen to. I'm disgusted with their customer service. Something needs to be rectified immediately, or the company should be shut down entirely. 

All I wanted was a billing statement that should have been provided on the website to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I DID NOT APPLY FOR A SECURED LOAN WITH MY FATHERS CAR WITH ONE MAIN FINANCIAL. 

MY CALIFORNIA DURABLE POWER OF ATTORNEY GOES INTO EFFECT THE DAY IT IS SIGNED NOT WHEN I AM INCAPACITATED PER THE LANGUAGE AND ITS ADDITIONAL INSTRUCTIONS. 

ONE MAIN FINANCIAL FORGED MY ELECTRONIC SIGNATURE I HAVE A WITNESS. I TOLD ONE MAIN FINANCIAL IN PERSON AND IN WRITING I HAVE A POA MULTIPLE TIMES AGAIN IN WRITING ON XX/XX/XXXX TO STOP WHATEVER THEY WERE DOING. 

MY POA NAMED AGENT DID NOT AUTHORIZE THIS TRANSACTION It is not up to OneMain to recognize my POA. It is recognized by the probate laws of California. I never used any of the money that OneMain financial deposited into my account illegally. I want them to take back their money and refund XXXXXXXX XXXX. This is also elder financial abuse. My father is XXXX XXXX XXXX. He is a Primary on the car. He did not authorize this as a member of the XXXX community how many more social injustices do we have to go through before we are helped with equality OneMain financial already has a enforcement action against him for {$10.00} XXXX as of XX/XX/XXXX for these very deceptive practices

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.

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 2024-03-13 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: MN

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

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 2024-03-13 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: WI

Complaint narrative:
I don't recall having a contractual relationship with this collection company AMERICAN PROFIT RECOVERY. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On my credit card account ending in XXXX, I went to the chase app to pay my balance in full on XX/XX/XXXX in order to avoid additional finance charges. The app stopped me and sent a pop up telling me I dont have to pay the balance that I could pay less ( XXXX ) for my interest saving option. I understood this as I can pay that balance and not accrue new interest. On XX/XX/XXXX, I got charged interest of {$15.00}. I called chase and the rep explained to me that the interest was from my previous statement. The app did not call this out when it advised I could pay less. This was deceptive in nature as if I had understood I would still owe future interest, I would have paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has not updated my score since XX/XX/XXXX its now XX/XX/XXXX I have called and spoke to people approximately 22 times in the last couple months I have uploaded and sent ID, SS and bill with my address they have on file witch has been the same for over 3 yrs every time its the same thing on the phone telling the same story nobody can even pull my Experian report I need them to update it and my information is XXXX percent correct they even read it back to me

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 2024-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to dispute a hard inquiry listed on my credit report that I believe to be unauthorized. The inquiry appears on my report however, I have not initiated any credit application or authorized any inquiry from those listed on my credit report.

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