vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Subject : Cease and Desist Harassment under Consumer Law ( 15 USC 44, 12 USC 83 ( a ) ) Dear [ Debt Collector 's Name ], I am writing to address a matter of grave concern regarding your company, LVND Funding, and its persistent and troubling collection practices. This letter serves as a formal complaint and demand to cease and desist the harassment I have been subjected to in violation of the Consumer Financial Protection Act ( CFPA ), 15 USC 44, and relevant federal statutes, including 12 USC 83 ( a ).

Since 2018, I have been receiving an excessive and alarming number of phone calls from your agency, LVND Funding, in relation to an outstanding debt. These calls have escalated to a point where I am receiving between 9 to 13 calls per day, which not only constitutes a severe breach of my consumer rights but is also causing a tremendous amount of distress in my life. 

Furthermore, it has come to my attention that some of these calls are characterized by foul language, silent calls, and outright harassment. Such behavior is unacceptable and is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) as well as other consumer protection laws. This ongoing harassment not only disrupts my daily life but has a detrimental impact on my overall well-being. 

I would like to remind you that the Congress passed the FDCPA to ensure that consumers are protected from abusive, deceptive, and unfair debt collection practices. These calls clearly contradict the principles set forth by the FDCPA and related regulations. 

I demand that LVND Funding immediately cease all forms of harassment, including but not limited to the excessive number of calls, foul language, and silent calls. This persistent harassment has caused severe hardship in my life, especially considering the challenging economic circumstances we face today. 

I also request that LVND Funding complies with all relevant federal and state laws regarding debt collection practices. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights and seek remedies provided by law. 

I expect a prompt response to this letter, confirming your commitment to cease the harassment and outlining the steps you will take to rectify this situation. Your cooperation in this matter is not only a legal obligation but also a crucial step toward resolving this issue amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: PA

Complaint narrative:
I had XXXX XXXX XXXX loans with XXXX  and the total was {$110000.00} prior to interest starting back up. I submitted a paper application on XX/XX/XXXX to Nelnet requesting to consolidate XXXX of the loans for a total of {$51000.00}, as well as an application for IDR payment plan. They received the application XX/XX/XXXX and I was notified that my loans were being processed and should be completed by the end of XXXX. When I log into my Nelnet account I have a balance of {$100000.00} which is double the amount is should be. I called Nelnet on XXXX at XXXX and waited XXXX minutes to speak to someone. I was advised when they first process the loan the amount doubles but will be corrected. This incorrect amount was also reported to studentaid.gov. This will eventually be reported to the credit bureaus, and interest is piling up on this incorrect amount. I need someone to help fix this asap. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: OH

Complaint narrative:
I have attached NEW AND RECENT COPIES of my credit report from XXXX showing that DISCOVER is STILL reporting an active payment history until XX/XX/2023 for account ending in XXXX. DISCOVER HAS YET TO PROVIDE A CLOSURE DATE FOR THE ACCOUNT TO XXXX AS REQUESTED. XXXX stated that until they are provided a closure date, the account will not be removed until XXXX  years from XXXX. I have also attached a recent letter from DISCOVER regarding their previous investigations into the account, but XXXX of their representatives informed me on a recorded phone call that an investigation NEVER took place and that is why the account is still reporting active and not closed as requested. She also mentioned that even though I have provided documentation directly to them and through the CFPB, DISCOVER NEVER reviews the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have attached NEW AND RECENT COPIES of my credit report from EQUIFAX showing that XXXX is STILL reporting an active payment history until XX/XX/2023 for account ending in XXXX. XXXX HAS YET TO PROVIDE A CLOSURE DATE FOR THE ACCOUNT TO EQUIFAX AS REQUESTED. EQUIFAX stated that until they are provided a closure date, the account will not be removed until XXXX  years from XXXX. I have also attached a recent letter from XXXX regarding their previous investigations into the account, but XXXX of their representatives informed me on a recorded phone call that an investigation NEVER took place and that is why the account is still reporting active and not closed as requested. She also mentioned that even though I have provided documentation directly to them and through the CFPB, XXXX NEVER reviews the documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: FL

Complaint narrative:
This account has yet to be validated. I do not, nor have I ever had a contractual agreement with " Westlake Portfolio Management ''. In addition to this issue, there are multiple discrepancies, conflicting and inaccurate information being reported on this " charged off account / collection '', to both my XXXX and XXXX credit reports. This includes the fact that they are reporting an active payment history while there is no contract between us, therefore making it impossible to have a reported payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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
Consumer complaint received 2023-11-08 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: GA

Complaint narrative:
Ive told the company 3 times not to contact my main line at my employer due to the fact that we can not have personal calls going to that number. Ive explained to them as well that I can get in trouble for them calling that main line number. Which is why I only gave them my direct number at work as well as my cell phone number. I never provided them with my main line number. Ive explained to them over and over the times to call me and yet they dont. They still continue to call outside of those hours which are hours that I am not available. 

Ive them back in back in XXXX of XXXX XX/XX/2023 and just yesterday XXXX XXXX to not call the main number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NY

Complaint narrative:
Formal Complaint Regarding Harassment and Violations of the Consumer Financial Protection Act ( 15 USC 44 ) and Federal Statutes ( 12 USC 839 ( a ), 12 USC 1431 ) I am writing to formally complain about the conduct of your agency, JeffCappSYS, in its debt collection efforts. This letter is intended to address a series of violations of the Consumer Financial Protection Act ( CFPA ), specifically 15 USC 44, as well as other federal statutes, including 12 USC 839 ( a ) and 12 USC 1431. 

It has come to my attention that your agency, JeffCappSYS, has been consistently engaging in debt collection practices that not only infringe upon my rights but also disregard the principles of fairness and legality outlined in federal statutes. This conduct has caused considerable distress and hardship in my life. 

First and foremost, I have been subject to relentless and unwarranted harassment in violation of the CFPA. The frequency and nature of the communications I have received have far exceeded the legal boundaries set by 15 USC 44. The excessive number of calls, the use of foul language, and a complete disregard for my privacy have caused considerable anguish.

Furthermore, I am deeply concerned about the methods employed by JeffCappSYS in its collection efforts. The absence of documentary evidence and contractual transparency, as required under federal statutes, including 12 USC 839 ( a ) and 12 USC 1431, has raised serious doubts about the legitimacy of the debt in question. 

I request that JeffCappSYS immediately ceases all forms of harassment and misconduct, as required by the CFPA and other federal statutes. I also demand transparency and adherence to the relevant laws in the handling of this debt. 

Failure to address these concerns and rectify these violations will leave me with no choice but to take appropriate legal action to uphold my rights and seek remedies provided by law. This formal complaint serves as a clear indication of my intent to protect my rights and address the misconduct I have endured. 

I expect a prompt response to this complaint, confirming your commitment to rectify the situation and outlining the steps you will take to ensure compliance with the law. Your cooperation in this matter is imperative to resolving this issue amicably. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: MOHELA
State: WV

Complaint narrative:
The information and payments from my student loan were transferred improperly. Mohela is starting my loan from the beginning. I had been paying on my student loan since XXXX before the payment pause. I had the loan adjusted in XXXX. Mohela is stating they did not receive that information. However, when I log in to my account I can see clearly on my loan detail page they have the correct information. They have stated they can not change my loan payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: NY

Complaint narrative:
Dear Experian Consumer Assistance, I am writing to formally file a complaint regarding serious inaccuracies in my credit report, as well as potential violations of the Fair Credit Reporting Act ( FRCA ) ( 15 USC 44 ), 12 USC 83 ( a ), 12 USC 1431, and the Privacy Act ( 5 USC 552a ( 1 ) ( 3 ) ). These discrepancies and violations have raised significant concerns and have had a negative impact on my financial standing. 

Upon reviewing my credit report, I discovered several errors that are affecting my creditworthiness and financial opportunities. The inaccuracies include incorrect account information, unauthorized inquiries, and data that does not align with my financial history. These errors not only harm my financial well-being but also raise questions about the accuracy and integrity of the credit reporting process.

I am concerned that these inaccuracies may constitute violations of the FRCA, a federal statute designed to ensure the fair and accurate reporting of consumer credit information. Additionally, I believe that Experian may be in breach of federal regulations regarding the power and duties of credit reporting agencies, as outlined in 12 USC 83 ( a ) and 12 USC 1431. The Privacy Act ( 5 USC 552a ( 1 ) ( 3 ) ) also mandates the protection of personal information and data accuracy, which is crucial in maintaining the integrity of consumer credit reports. 

I request an immediate and thorough investigation into the discrepancies in my credit report and their implications for my creditworthiness. I also urge Experian to take corrective actions promptly, including the removal of inaccurate information and the rectification of unauthorized inquiries. Moreover, I request that Experian ensures strict compliance with the FRCA, 12 USC 83 ( a ), 12 USC 1431, and the Privacy Act ( 5 USC 552a ( 1 ) ( 3 ) in all credit reporting activities.

I expect a written response to this complaint, outlining the steps taken to rectify the inaccuracies in my credit report, and to ensure full compliance with federal regulations and consumer protection laws. Your prompt and cooperative response is essential to resolving this issue amicably and restoring the integrity of 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 2023-11-08 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: FL

Complaint narrative:
Incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Subject : Formal Complaint Regarding Unauthorized Use of My Social Security Number as a Credit Card, Unreported 1099C Forms, and Violations of 12 USC 1431, 15 USC 1691, FRCA, and Privacy Act ( 5 USC 552a ( 10 ) ( 3 ) ) Dear JP Chase & Co Customer Service, I am writing to file a formal complaint against JP Chase & Co due to a deeply concerning series of incidents involving the unauthorized use of my social security number as a credit card. Additionally, I have discovered unreported 1099C forms for accounts ending in XXXX, XXXX, XXXX, and XXXX. These incidents not only raise significant concerns about my personal security but also questions about the safeguards your institution has in place to protect sensitive customer data. 

I recently became aware that my social security number was used as a credit card number for transactions and financial activities without my knowledge or consent. This unauthorized use of my social security number is an egregious breach of privacy and security, and it is of utmost concern to me. I strongly believe that the unauthorized use of my social security number as a credit card constitutes a severe violation of consumer protection laws, including the Privacy Act ( 5 USC 552a ( 10 ) ( 3 ) ), 15 USC 1691, and the Fair Credit Reporting Act ( FRCA ), as passed by Congress. Moreover, these incidents may also raise questions about JP Chase & Co 's compliance with the power and duties outlined in 12 USC 1431.

Additionally, I have discovered unreported 1099C forms for accounts ending in XXXX, XXXX, XXXX, and XXXX. These unreported forms raise concerns about financial transparency and compliance with IRS regulations. 

I request an immediate and thorough investigation into the unauthorized use of my social security number as a credit card and the unreported 1099C forms. I also urge JP Chase & Co to take immediate corrective actions, including investigating and rectifying any unauthorized charges or transactions, and ensuring full compliance with consumer protection laws, IRS regulations, and the Privacy Act. 

I expect a written response to this complaint, outlining the steps taken to rectify the unauthorized use of my social security number, the resolution of unreported 1099C forms, and a commitment to strict compliance with all relevant regulations and laws. Your prompt and cooperative response is imperative to resolve these issues and restore my confidence in your institution 's commitment to data security and transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: NY

Complaint narrative:
I have consistently contested the inaccuracies in the following information with XXXX, XXXX and Transunion, and unfortunately, the issue remains unresolved to this day. 

1. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The account is reporting inaccurately and must be removed from my report. 
XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. The following personal information is incorrect Current Address : XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX, NY XXXX XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The account is reporting inaccurately and must be removed from my report. 
XXXX XXXX XXXXXXXX Account Number : XXXX The account is reporting inaccurately and must be removed from my report. 
XXXX XXXX XXXX Account Number : 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