vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I have been waiting for my PSLF overpayment refund since XXXX  ( almost 8 months ). Mohela 's policy is to process refund within 90 calendar days. Mohela has had payment history in their from my prior servicer ( XXXX  ) in its system since XXXX. 

Prior Consumer Protection Bureau complaint ( submitted XX/XX/XXXX  ) Complaint ID XXXX Mohela responded in their portal : " Our records indicate, that there are no pending refunds at this time. '' Prior FSA complaint ( filed XXXX  ) XXXX  Case # XXXX As recently as XXXX XXXX, XXXX  " MOHELA is missing the financial histories from XXXX. We can confirm a request has been submitted to obtain the financial histories from XXXX. Prior servicing refunds typically take 60-90 business days when MOHELA has the prior servicing records. '' This is not the case, according to their own records, Mohela has my Advantage payment history. There is currently an XXXX  refund request in progress as of XXXX XXXX, XXXX  ( reference # XXXX ). 

Furthermore, Mohela violated the California Student Loan Servicing Act by failing to process and furnish a complete loan servicer payment history ( requested XX/XX/XXXX  ). This request was canceled inexplicably. 

Mohela should expedite my XXXX  review and immediately request the U.S. Treasury Dpt. to refund the overpayment amount due ( approx. {$7100.00} based on the balance increase I saw before my loans XXXX  out ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06 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: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them immediately.

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 2023-12-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received an American Express gift card from my employer. Im unable to use to anywhere online or in person. It keeps declining. I have checked the balance and attempted to use it for half the cards value. No luck. I called AMEX and their response was use the physical card or try a different merchant. I tried both but it still keeps declining.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — Store credit 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XXXX I purchased a bed sheet set from Amazon and it was not delivered. I am being charged for the drivers refusal to deliver to my home address. I also pay a yearly amount to Amazon XXXX and want monies I paid for that program and want payment returned along with the charges for the sheet set.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: OR

Complaint narrative:
A Creditor Hunter Warfield is on my credit report for a rental I had with 2 other roommates. Each of us had to pay a separate deposit of {$1400.00}. I moved out of the rental from XXXX XXXX XXXXXXXX months before my roommates did. I requested a walk-through from XXXX XXXX XXXXXXXX so that I can get my security deposit back. XXXX XXXX XXXX refused to do a walk-through and would not return my deposit. After the roommates moved out, XXXX XXXX  XXXX conducted a walk-through and charged all of us for normal wear and tear as well as damage we requested to be fixed due to rodents and rats. I requested a Validation of Debt from Hunter Warfield on XX/XX/ and did not receive a Validation of debt until XX/XX/. Hunter Warfield is refusing to remove themselves from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Every day ( and sometimes multiple times per day ) I receive phone calls from numbers with seemingly random area codes. 
I am currently looking for a job and can not afford to screen my calls in case one of them is a prospective employer. These calls come in at very inopportune times, often waking me up or waking up my partner who works overnights. I also have relatives with declining health and am an emergency contact for many of my loved ones. I often do contract work that requires me to be on call, and if I do not answer the phone I will lose my contract. 
Having to run out of church to answer my phone is very embarrassing and disrespectful. Getting unnecessary calls while at work looks unprofessional. Interrupting our sleep is affecting our mental health. Every time a number calls that I do not know my heart drops because I am terrified something has happened to a loved one, or that there has been an emergency of some sort. 
To top it off, the callers will remain on the line long enough until a voicemail is left on my phone, which causes the box to be full constantly. If I forget to clear it, I miss valuable and potentially life changing information. 
I have asked these people to stop calling me, and it has been going on so long that I no longer remember which companies are calling me and what the call is about, because if I ask for the purpose of the call, they respond by first asking me to identify myself. If I do not identify myself without knowing the nature of the call, they state that they will try again later, or simply hang up. 

Here is a short list of numbers that have called me, with dates/times : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Basically this has been going on for a year or two and if they really want my money they should stop interfering with the activities that actually EARN that money. I'm not sure what other information I can pass along that could help and I wish I could remember the specifics about who these people are and what they want but after everything they have put me through I have long since given up on the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
Hello, I've been noticing for a few years now that Santander Consumer USA has been reporting incorrect account information to the credit bureaus in regard to an auto loan that was paid off in XXXX. I've placed several disputes with all 3 bureaus and the company trying to get this account updated and accurate on my credit report. This account should be paid in full as it was pronounced totaled in a car accident and my insurance company paid the lender Santander in full back in XXXX. I recently placed a dispute on XX/XX/XXXX with all 3 bureaus and after receiving confirmation that the investigation was complete, I reviewed my credit reports and saw the company is still reporting inaccurate information. As you can see they are reporting different open dates of the account to all 3 bureaus. The date last reported, the high credit amount, the date last active and the date of the last payment are all different dates being reported to the bureaus. I don't understand how none of these dates and amounts line up if they are investigating the account and getting their information from the same company and source? None of this adds up. This account should not even be open. I've heard so many terrible things about this company. Santander has a history of reporting things inaccurately. I've reviewed the consent order issued by the CFPB and I am a victim. Please delete this account from my credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
I am having difficulty with this company. On XXXX XXXX I found out where I was supposed to send the payments ( had to call them on the phone to get the mailing address ). I mailed them my first payment ( due on XXXX XX/XX/ ) on XXXX XX/XX/ after they REFUSED to accept payment VIA my credit card. They told me they would accept a debit card ( I do not have a debit card ). They are now claiming that they have not received the payment. I was told by one of their supervisors that it is illegal to pay credit with credit meaning that it is illegal to pay any debt with a credit card. I was NEVER told when I bought the car that my method of payment would be restricted and that they would NOT accept a credit card payment. If I would have had that information, I would NOT have bought this car. They are threatening to try and ruin my credit by reporting that I am more than 30 days late on my payment. I have excellent credit ( credit score is XXXX ) and I am not going to allow them to ruin my good credit. Based on not being told the restrictions on my paying for this car I feel that we never had a meeting of the minds, and I am requesting that this contract be voided, and I simply return the car and we go our separate ways. When I requested from Bridge crest which government agency that regulates their business the supervisor refused to provide me with that information. They told me to call XXXX which I did and XXXX told me to call Bridge crest. I have been on the phone for over 3 hours between these two companies and still no resolution is in sight. I am a XXXX XXXX and Retired XXXX XXXX. I am a XXXX XXXX, and I am not going to allow this company to try and ruin my credit.

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 2023-12-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Americor Funding, LLC
State: MA

Complaint narrative:
Further explained/supported by attached documents : We were initially told on enrollment that positive payments would be reported to the credit bureaus and that our delinquent accounts would eventually be marked off as paid. Prior to entering debt settlement we had a 99-100 percent payment history across shared accounts. If there was no credit rebuilding portion we would not have entered the agreement. Over a year into the program we checked our credit scores to gauge progress toward future goals ( ie mortgage ) and found there was no report of any of over a year of payments to XXXX anywhere. When contacted over the phone they gave differing explanations including that it was due to changes in federal regulations that required changes to the program, of which we had not at any point been made aware. They also claimed that the original agreement did not include any of the credit rebuilding aspects, and/or that these were part of a different kind of program which we had not been signed to. Again, no differentiation was made in our agent 's explanation of the agreements and program, as evidenced by attached email ; we were told of our next steps and expectations, as if they were concrete versus a possible option. We chose to complete the program ahead of schedule to give us better chances at improving our credit on the understanding that it needed to be completed to affect any positive outcomes. When the program was complete and debts were settled this also did not change that they were listed as previous delinquencies ( showing as paid versus delinquent ) as stated in the email attached. We were told over multiple communications that this was due to regulation changes but then told again that this is not how the program works, that XXXX itself can not report anything to or directly effect the reporting of credit bureaus, etc. Because of the reality of the program versus the promise of the credit rebuilding efforts we have lost opportunities to better our financial situation or buy even a mobile home let alone a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: United Collection Bureau, Inc.
State: OH

Complaint narrative:
This company called today XX/XX/XXXX  at XXXX asking for me, Mind you they have been calling for the past couple of weeks They asked for me I said yes what do you need they claim they are deby collection for UCB and they wanted me to verify my date of birth and address I would not give them that sensitive information over the phone nor will I ever. I asked them If they were legit then send me a letter they claim they don't have my address. well if they are a creditor they can get it from the creditor. I don't know who they are or what they want But I want them to stop calling me ASAP please I'm mourning the death of my father I will not be harrassed day and night over a bill. Please asked them to stop calling me thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: MS

Complaint narrative:
A collection notice from Central Portfolio Control for the amount of {$1800.00} insurance paid the required state amount and by law this is called surprised billing this was also this bill was included in the BANKRUPTCY THEY ARE TRYING TO COLLECT ON A DEBT DISCHARGED IN BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: FL

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Im really worried that PORTFOLIO RECOVERY is reporting inaccurate information on my credit report. Pursuant to the Fair Debt Collection Practices Act 15 USC 1692, I XXXX XXXX XXXX, have the right to privacy. PORTFOLIO RECOVERY has committed infringement upon my consumers right to privacy. 

I, XXXX XXXX XXXX never granted consent to PORTFOLIO RECOVERY to contact me. PORTFOLIO RECOVERY has/ or purchased my private information without my consent. I never contracted with PORTFOLIO RECOVERY. 
PORTFOLIO RECOVERY is violating my rights. I understand that you must have procedures in place to respond to questions about credit reporting. 

Pursuant to the Fair Debt Collections Privacy Act ( 15 USC 1692 ( g ) and REGULATION F ( 12 CFR 1006.34 ( a ) ( b ) ( c ). I am invoking my right and demand PORTFOLIO RECOVERY to VALIDATE this alleged debt. 

PLEASE BE ADVISED THAT I AM REQUESTING VALIDATION, NOT VERIFICATION OF ALLEGED DEBT. 

If your office fails to respond to this validation request within 30 days, all references from this account must be deleted and completely removed from your credit file, and all consumer reports. 

At this time I also asked for PORTFOLIO RECOVERY to Cease and desist any and all communication with me pursuant to 15 USC 1692 ( c ) ( c ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consu
mer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: CL Holdings LLC
State: MO

Complaint narrative:
Good Morning An account from your company is appearing on my credit report. I am not aware of having any account with your company. I request that you investigate this matter and provide me with the following : A legible copy of the original signed agreement for this account, which should show my personal information, as well as my signature. 

Name and contact information of the original creditor, if this account was transferred or purchased. 

Any other documentation verifying the account is, in fact, mine. 

If you can not or will not provide me this information, then I formally request you send me a letter stating that this account does not belong to me and that it will be removed from my credit reports. 

Until this matter is cleared up, I firmly request that you stop reporting this account altogether. 

Please give this matter your prompt attention. 

Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief