vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-08-22 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: GA

Complaint narrative:
This inquiry is not related to me, nor do I have any connection with the mentioned creditor.

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 2024-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I have documentation to support the following, please reach out and I am happy to send. 

I am looking for assistance with MOHELA and the US Dept of Education Student Aid. In the last XXXX weeks, I have contacted XXXX XXXX, XXXX XXXX and XXXX, but have not received a response. I also sent a WH.gov complaint. In researching issues with MOHELA that others experienced, I saw an article where Senators XXXX and XXXX directed CFPB to investigate MOHELA 's practices, I am an attorney for the US Dept of Veterans Affairs OGC and have been working there since XX/XX/2015. 

Initially I reached out to my Congressional representatives due to deceptive practices with MOHELA informing me that I was entitled to a refund in multiple mailings, but then after I formally asked for one, told me that I was not entitled.

Yesterday, new and more serious problems arose with MOHELA and studentaid.gov. I logged into my studentaid.gov account yesterday to deal with yet two more deceptive, confusing mailings from MOHELA. For the first time, I was greatly disturbed to see that studentaid.gov said XXXX LOANS ineligible for PSLF. This is the first I have EVER seen such a message, and it is VERY concerning, as I consolidated my loans into Direct Loans in XX/XX/2015 after starting at the US Dept of VA so that it qualified for PSLF. I understand there is a review of SAVE, PSLF and other programs. However, I am less than a year away from hitting 120 months of public service. I am INCREDIBLY CONCERNED AND WORRIED that the system is so broken that I will be delayed in receiving my loan forgiveness. 

As for the MOHELA issue that made me login in the first place, in a mailing that I received yesterday, the number of payments and start dates do not make sense there either. A second mailing said that my payment will be reduced, yet autopay on MOHELA will be for a higher amount. I logged into MOHELA yesterday and could not adjust my payment. I am concerned that I will a ) overpay and/or b ) be told later that, by paying the lesser amount, that wasn't a 'qualifying " payment for PSLF purposes. 

I understand that there are no dates listed here, however as I said, I have all the documentation to support it. It goes over the XXXX limit. Please reach out and I am happy to provide it. 

Very respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
FRONTIER/ BARCLAY Charged me for annual fees that I immediately disputed. They agreed to refund the money and not charge a new annual fee because I no longer wanted to use their card or services. They opened and closed a dispute and credit case and only refunded XXXX of XXXX charges that they said the would. They owe me {$190.00}. 

When I call they give me a huge run around. They open and close case XXXX, without any written notification or additional information. 

Here are the entire transactions for the year, all disputed and unresolved, and all with Frontier/ Barclay . 

Account Balance as of XX/XX/year> : {$0.00} Transaction Date Description Category Amount XX/XX/year> Payment Received CREDIT  XXXX XX/XX/year> ANNUAL FEE DEBIT XXXX XX/XX/year> FRONTIER CREDIT XXXX XX/XX/year> Payment Received CREDIT XXXX XXXX XX/XX/year> FRONTIER DEBIT XXXX XXXX XX/XX/year> FRONTIER DEBIT 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 2024-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/XXXX I notified Barclaycard that there were charges on my account that I did not make. Those were removed and the card was closed. I did not receive a new card until XX/XX/XXXX. On XX/XX/XXXX, XXXX charges of {$350.00} were made to my account for a total of {$710.00}. This makes no sense to me. How did Barclaycard approve a charge on a closed credit card? I suspect that there is internal fraud taking place at Barclaycard. After repeated attempts, I finally was able to speak to someone from their fraud department. I was told that they will not reverse the charges until they complete their investigation. That makes no sense. How can they leave charges on my account when the card used was cancelled? It really stinks of fraud within Barclaycard. Also, since it was their mistake, the charges should be removed immediately. HELP! PLEASE!

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 2024-08-22 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: NC

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: TRANSWORLD SYSTEMS INC
State: MT

Complaint narrative:
This is a complaint about a loan through my credit Union ( XXXX XXXX XXXX XXXX in XXXX, MT ) via a loan called XXXX. First of all, I never intended to take a loan with an adjustable rate. That must have been an oversight on both mine and my co-signor 's part. The predatory issues come in after graduation when they capitalized interest for the loan while I had 4 years left to go adding thousands of dollars to my balance. Then the interest rates go crazy and now this loan has ballooned from a {$380.00} dollar payment to over {$550.00} dollars .... all lining the pockets of a crooked company. I'm sure you'll tell me to refinance those loans to a fixed rate. Well, no kidding, except that the crux of this whole student loan racket is that my credit has tanked due to my debt-to-income ratio, effectively placing me in some kind of credit purgatory where I can't get above a certain rating to qualify for my own refinance. This XXXX loan is serviced by a company called XXXX XXXXXXXX XXXX ( XXXX ). I want this company held responsible for issuing predatory private student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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:
My name is XXXX XXXX, my date of birth is XX/XX/XXXX. ssn is XXXX. There are fraudulent accounts on my credit report which I do not recognize. I discovered the accounts after pulling my credit report in early XXXX. I was advised to submit an identity theft report. I filed my report with the Federal Trade Commission ( reference # XXXX ) and submitted it to Experian on XX/XX/XXXX. Experian opened the dispute on XX/XX/XXXX and did not block the fraudulent items from reporting. The accounts are under a regular 30 day investigation which is a VIOLATION of my rights within the FCRA section 605B which states that the consumer reporting agency is required to block the fraudulent items within 4 days and then notify the furnishers that the information was blocked, BUT THEY HAVE NOT! I am filing this complaint against Experian for not complying with Federal regulations within the FCRA ( 15 USC 1681c-2 ). Experian is liable to me for compensation as shown in section 1681n, 15th chapter of FCRA. I will be filing a lawsuit if the fraudulent accounts are not removed within 15 days of this complaint. I have attached the original documentation that I have submitted to Experian including my FTC report and proof of my identity.

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 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2024-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: ID

Complaint narrative:
Received letter dated XX/XX/year> from SIMM Associates XXXX XXXX stating I owe XXXX XXXX XXXX  {$260.00}. I asked for a copy of the original signed contract that I knew they could not provide whereas I have never done business with this company. I asked for payment history, again I have never done business with this company. Proof that they own the debt or had been assigned the debt. They never responded and I never heard from them again. I could only assume they gave up on their fraudulent efforts. I then discovered they have reported the unpaid debt to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I am filing this complaint against USAA for the unauthorized disclosure of sensitive account information and what I believe to be discriminatory treatment. The insurance policy in question is in my husband 's name, XXXX XXXX, with Policy Number XXXX XXXX XXXX, and I am also listed as an insured on the policy under the name XXXX XXXX. On Monday, XX/XX/2024, and Wednesday, XX/XX/2024, I received voice messages from an individual named XXXX with USAA ( contact number XXXX, extension XXXX ) discussing the status of our insurance policy, including information about its termination, without my authorization. This is a clear violation of my privacy rights under the Gramm-Leach-Bliley Act ( GLBA ), which mandates the protection of consumers ' financial information by financial institutions. Additionally, this unauthorized disclosure may also constitute a violation of my rights under state privacy laws and could be considered an unfair or deceptive practice under the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, I believe that USAAs actions were racially discriminatory, as their handling of our account differs significantly from how they treat non-Black customers. Due to the unauthorized disclosure of sensitive information and the emotional distress caused by these actions, I am seeking the maximum financial compensation allowed to address the harm and inconvenience caused. I request a thorough investigation into these practices and appropriate corrective actions to ensure that such breaches do not occur in the future.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint against Equifax, XXXX, and XXXX for their ongoing and unjustified reporting of a disputed debt claimed by XXXX XXXX XXXX. Despite filing XXXX previous complaints against XXXX XXXX XXXX, they have persistently failed to provide the necessary documentation to validate their claim, such as the Assignment Transfer or a valid contractual agreement with the alleged original creditor, Verve. This failure to comply with legal requirements raises serious concerns about the legitimacy of their actions. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am entitled to a thorough reinvestigation of any disputed information on my credit report. Given that XXXX XXXX XXXX has not met their burden of proof by providing the required documentation, this account should not continue to be reported on my credit file without proper validation. By continuing to report this unverified debt, Equifax, XXXX, and XXXX are in direct violation of the FCRA 's requirement for accuracy and completeness in credit reporting. Their failure to ensure that only accurate and substantiated information is reported reflects a serious disregard for their legal obligations. Furthermore, XXXX XXXX XXXX 's repeated failure to provide verification of the debt upon request, as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), necessitates immediate and decisive action. Equifax, XXXX, and XXXX, by continuing to report this disputed debt, are complicit in perpetuating these violations and must be held accountable for their role in this matter. Additionally, I believe there are potential violations of the Internal Revenue Code ( IRC ), specifically IRC 6050P, which mandates the issuance of a 1099-C form if the debt has been forgiven or settled. Any inconsistencies in the reporting of debt ownership or false statements regarding the value or transfer of the debt could also constitute a violation of IRC 7206. These issues warrant further investigation, including by the IRS, into XXXX XXXX LLCs tax reporting practices. 
Given the persistence of these violations, I am demanding that Equifax, XXXX, and XXXX immediately cease reporting this debt on my credit file until proper validation is provided by XXXX XXXX XXXX. If XXXX XXXX XXXX can not provide the legally required documentation, this account must be removed from my credit report without delay. I am invoking my rights under the FCRA, FDCPA, and relevant sections of the IRC, and I request that the CFPB enforce compliance with these laws. Failure to address these ongoing issues will result in further escalation to other regulatory bodies, including the Federal Trade Commission ( FTC ) and the Internal Revenue Service ( IRS ), to ensure that my rights are protected. Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: PA

Complaint narrative:
I am writing to express my deep concern and dissatisfaction with your lack of response to my previous complaints submitted on seven separate occasions. Despite my repeated attempts to address serious issues concerning my credit report, I have yet to receive any acknowledgment or resolution from your office, TRANSUNION, XXXX, XXXX I am currently a victim of identity theft, which has resulted in unauthorized accounts being opened in my name and subsequently reported on my credit file. Additionally, I have noticed collections appearing on my report that I did not authorize. These inaccuracies are significantly affecting my credit standing and causing me considerable distress. The Fair Credit Reporting Act ( FCRA ) entitles me to a prompt and thorough investigation of any disputed information on my credit report. Your continued failure to respond not only violates these rights but also exacerbates the financial and emotional toll of the identity theft I am experiencing.

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 2024-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> an unauthorized third party gained access to my account and used XXXX to steal all the money in my account, which at the time was {$3200.00}. I noticed immediately because I got push notifications to my phone about the new XXXX recipients being added and the transfers being made. I called the bank and reported the fraudulent transactions within XXXX minutes. After several days, I received a letter from the bank that they had denied my claim. On XX/XX/year> I faxed an appeal letter to the bank at the fax number they provided me XXXX and referenced my claim number XXXX. In my appeal letter I asked them to review the login location and devices again and they would be able to clearly determine it wasn't me that was accessing the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
When I log in to Student Aid website it shows that I have 8 Loans : 2 Servicers with a Total original amount awarded : {$72000.00}. I have never borrowed {$72000.00} so why did my loan double from {$37000.00} to over {$72000.00}? I want this fixed quickly since I do not and have not ever owed that much money. 
In XXXX, reached out to Mohela and was told is was a glitch in the system and it would be fixed by XX/XX/XXXX at the latest XX/XX/XXXX, when they start reviewing all data. 
I want this fixed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation