vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Contravening the Education and Loan Privacy Act, the school supplies transaction history to third-party companies. Furthermore, there are alleged violations of the XXXX and XXXX Privacy Act of 1974. The IRS Clearly defines a charge-off as a certificate of indebtedness Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which makes the reporting of this account inaccurate!

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 2023-12-13 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Contravening the Education and Loan Privacy Act, the school supplies transaction history to third-party companies. Furthermore, there are alleged violations of the XXXX and XXXX Privacy Act of 1974. The IRS Clearly defines a charge-off as a certificate of indebtedness Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which makes the reporting of this account inaccurate!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: IN

Complaint narrative:
Contravening the Education and Loan Privacy Act, the school supplies transaction history to third-party companies. Furthermore, there are alleged violations of the XXXX and XXXX Privacy Act of 1974. The IRS Clearly defines a charge-off as a certificate of indebtedness Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which makes the reporting of this account inaccurate!

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 2023-12-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, I contacted XXXX about transferring internet service to a new address due to an upcoming move. I was told they did not offer services at the new address. I told them the service needed to be disconnected on XX/XX/XXXX and I was told to return the equipment to the local office in which I did. I received statements in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I called XXXX again and told the representative that I had moved and the service needed to be disconnected. Instead it was sent to a collection agency. I do not recall the first collection agency but was told the {$240.00} was for the equipment in which I returned to the drop box. XXXX were not allowing customers inside the building due to the pandemic. There were no other customers there at the time and I witnessed a worker taking the equipment out of the dropbox. The agency told me they would contact XXXX  to let them know. I started receiving letters from Eastern Account Systems and contacted them who states the XXXX is a past due balance. I informed them that I moved XX/XX/XXXX and paid the last bill the month I moved. This balance was reported to all 3 credit reporting agencies. XXXX removed when I disputed. However, I have disputed 3 times with XXXX and it has not been removed. I have not heard back from XXXX as of yet. I spoke with Eastern Account Systems XX/XX/XXXX and they are refusing to acknowledge that I do not owe the bill. I spoke with a XXXX representative on XX/XX/XXXX and was told they continued to bill me throughout XX/XX/XXXX and they disconnected due to nonpayment. I told the representative that I told them XXXX and XX/XX/XXXX that I was moving & had moved and they still did not disconnect as requested. The representative told me it is not documented that I asked for disconnection so therefore the debt is valid. XXXX submitted bills to my new address on the XXXX and XX/XX/XXXX attached statements. Not only did I tell them to disconnect but they also had my new address so knew I had moved. I need for XXXX  to acknowledge the error on their part and remove this from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: PA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This company violated my rights to privacy and have not provided me proof of the original agreement. This has resulted in having negative items on my credit report. I gave no permission or signed any contracts.

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 2023-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
It takes hours for MOHELA to answer the phone and it has failed to make progress on loan forgiveness. 

You can't get in touch with anyone at the servicer and I haven't been credited for previous payments made prior to the pandemic. 

This is a negligent breach contract, of fiduciary duty and violation of federal debt collection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

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 2023-12-13 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

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 2023-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to you again to dispute the accuracy of certain accounts on my credit report. In my previous communication, I raised concerns regarding the inclusion of accounts associated with XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX. I am disappointed to note that these inaccuracies persist on my credit report, and I am compelled to initiate a second round of dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Details of the disputed accounts are as follows : XXXX XXXX Last reported : XX/XX/2023 Amount : {$56.00} Worst payment status : XXXX days late Last payment : XX/XX/2023 Payment status : No Info XXXX XXXXXXXX XXXX XXXXXXXX Last reported : XX/XX/2023 Reported balance : {$2100.00} Highest balance : {$2500.00} Worst payment status : 60-89 days late Last payment : XX/XX/2023 Payment status : Current XXXX XXXX Last reported XXXX XX/XX/2023 Reported balance : {$110.00} Highest balance : {$240.00} Worst payment status : 60-89 days late Last payment : XX/XX/2023 Payment status : Current I dispute the accuracy of these accounts as they are not associated with my financial transactions. The continued reporting of these inaccuracies not only damages my credit standing but also violates my rights under the FCRA. 

As outlined in the FCRA, I request that a thorough reinvestigation be conducted into these disputed accounts, including verification of their legitimacy and accuracy. The FCRA mandates the prompt removal of inaccuracies from my credit report. 

I have attached supporting documentation, including evidence of my non-involvement with these accounts, for your reference during the investigation process. 

Per the FCRA guidelines, I expect written notification of the results of your investigation within the 30-day timeframe. Failure to rectify these inaccuracies within the stipulated time may compel me to pursue legal action to ensure the correction of my credit report. 

I appreciate your immediate attention to this matter. It is my expectation that a fair and comprehensive investigation will be conducted in adherence to the FCRA regulations. 

Thank you for your prompt resolution.

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 2023-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I am currently a citizen bank customer and I have an account that will cover debit card transactions, if the funds are not there, and you are allowed 24 hours to bring the account back positive before any fees are assessed. This is NOT how my account has been maintained. on XX/XX/10 I had a balance of XXXX ( give or take a few dollars ) and a transactions of XXXX came through. I had smaller transactions as well, XXXX and XXXX, all of which should have been covered. Instead, what Citizens the scammers did, they covered a partial amount of the XXXX and charged me overdraft fees for all 4 transactions. I contacted them, twice and even visited a branch as to why I was charged 4 overdraft fees. Nobody was able to provide an answer nor a resolve. This bank is a rip-off and treats customers horrible, in addition to ripping people off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13 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: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/2023, I sent a negotiable instrument via certified mail ( tracking number : XXXX ) to Nelnet XXXX XXXX, a servicer for my student " loans, '' with the intent to discharge the " debt '' on my account for {$20000.00}. This action constitutes a valid tender of payment under the Uniform Commercial Code ( XXXX ) Section XXXX. Despite confirmation of delivery on XX/XX/2023, Nelnet has failed to : Apply my payment to my account : My billing statements continue to reflect an inaccurate balance, neglecting the tendered payment. This violates XXXX XXXX XXXX, which defines a negotiable instrument as " paid '' upon delivery and acceptance. 

Acknowledge receipt of the instrument : I have not received any communication regarding the instrument or its application to my account. This lack of notice of dishonor further strengthens my claim of valid payment under XXXX Section XXXX. 

Correct my credit report : My credit report continues to show late payments, inaccurately reflecting my financial standing despite the timely tender of payment. This violates the Fair Credit Reporting Act ( FCRA ) and misrepresents my creditworthiness. 

Furthermore, I have since opted out of Nelnet sharing my private information and sent a follow-up letter, and email inquiring about the payment and credit reporting discrepancies. My inquiries remain unanswered, potentially constituting a violation of the Consumer Financial Protection Bureau ( CFPB ) Regulations regarding complaint investigation and response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This address does not belong to me I have requested that It be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EGL US, LLC
State: MI

Complaint narrative:
On XXXX i sent BMG Money a notice to opt of out any and ALL authorizations i may have previously given allowing them to share any of my information with any 3rd party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of 1974 i have rights as a consumer that i chose to exercise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Failure to notify me prior to reporting to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
The new loan servicer is unable and incompetent at locating payments I've made. 

I made my XX/XX/XXXX payment on XX/XX/XXXX and XX/XX/XXXX through the Marcus App and neither Marcus nor the new loan servicer can find the payment. I am not paying again for XXXX when I've already made the XXXX payment. I've called the last five days and both aren't able to do anything. I'm not making another XXXX payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Hi I was hoping that you might have the availability to help me my as I'm sure this has happened to other unsuspecting consumers. The lender in my case is Mr. Cooper ( Nationstar Mortgage LLC, ) who currently has several class action lawsuits against them now. 

I have attached a copy of a letter recently sent to Mr. Cooper which is self explanatory referencing a property I own. I respectfully hope you find the time to read it and come to a conclusion that what transpired just isn't right. If for no other reason than the 3rd party placed insurance which is explained in the letter. Someone unsuspecting as myself would be paying an exorbitant premium based on a fabricated liability coverage amount, assuming they had no choice. Or argue the position with them as I did and still lose having no recourse to their charges and unwittingly lose my property as well.

I have to question then, is it in some way a predatory lending practice that shouldn't be permissible but because they're in charge they just do what they want, the little guy be damned.

I thank you very much for your time and any consideration you may have to my plight. 

Again, Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Card was locked, thus no transactions should have posted. $ XXXX in charges occurred. I said the card was blocked and thus their error. 
They are saying they were recurring but are not. This means their way of locking a card is to close it. There are no disclosures.

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 2023-12-13 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: Nelnet, Inc.
State: CA

Complaint narrative:
My Nelnet student loan payments are not processing. I received email correspondence stating that the account associated with my automatic withdrawal had insufficient funds. That account at no time had insufficient funds. I've also submitted a payment using the " make a payment '' option and it is still processing after several days. 

The Nelnet website discourages email. I've called and emailed. Call wait times are always over an hour. 

My loan number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

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 2023-12-13 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: PA

Complaint narrative:
THIS IS IDENTITY THEFT MY SOCIAL PASSPORT AND BIRTH CERTIFICATE WAS STOLEN In accordance with thee Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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 consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-12-13 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: VA

Complaint narrative:
I am an XXXX XXXX XXXX in the XXXX. I recently sold my property, the property closed on XXXX XX/XX/2023 ; Cross Country Mortage ; the lender was to issue me an escrow refund in the approximate amount of {$5600.00} and some change. I was not aware of this until I actually contacted XXXX XXXX for another issue. Cross Country informed me they sent me the escrow check on XXXX XX/XX/2023. I currently have mail forwarding to my new address and did not receive the check. I called them back approximately on XXXX XX/XX/2023, and updated my address with them so they would reissue the check to my new address. Cross Country informed me it could take XXXX weeks to reissue the check. I still have not received my money, I called Cross Country mortgage on XXXX XXXX XXXXCross Country told me they had not reissued the check as of yet and it would take 30-90 days to reissue the check. I just moved across the entire country that is not a cheap move, I need this money in a timely manner. I believe they are not going to send me my money in timely manner. I have never missed a mortgage payment and they are sitting on my money accruing interest. They will not send my check with a tracking number at all, they stated they send all checks regular mail.

Company response to consumer: Closed with explanation