vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gurstel Law Firm, P.C.
State: IA

Complaint narrative:
I had a credit card with a company called XXXX. 
Back in I believe XXXX, I received notice from XXXX that their business was closing, all cards would be unusable and to continue to make payments via their app. It was not long after that I was unable to access my account to even be able to pay. I was unsure what to do from there and assumed that someone had purchased all of XXXX 's credit accounts and we would be notified who I needed to continue payments with. Around the same time, we purchased a house in XXXX. I had changed our address and figured I would get some form of communication. I received no letters regarding who now owned the debt until yesterday XX/XX/XXXX. I was served a Notice and petition for judgement filed by Gurstel Law Firm PC in behalf of XXXX XXXX XXXX XXXX. ( The current owner of the debt ). I contacted Gurstel Law to explain the situation, ask to set up payments and to stop the judgement. They we unpleasant to talk to and agreed to set up payments of {$120.00} a month and they advised would submit a temporary stop on judgment under the terms that no payments were missed. I asked the Attorney to please let me know what the total I would have to pay back would be and he said that there will be the balance plus court fees which he advised would be at least {$95.00} as well as service fees in which he would not tell me the total of. I was forced into a payment plan of which I have no idea the total amount they will be taking from me. That is one major issue I find. The other larger issue I see is that the Attorney told me that in order to stop the judgement, I have to sign an agreement for the payment plan and send it back to them. He advised the letter will take 2-4 weeks to get to me and i have to mail it back. The issue is that I only have 20 days before I forfeit the judgement. I asked the attorney if they will stop the judgement before considering i authorized the payment and payment plan and he told me he couldn't give me legal advised. What I'm gathering is that they are attempting to force a judgement on me by delaying paperwork even thought this whole issue was not my fault and even though I am actively attempting to resolve it. I am at a loss of what to do and can not afford an attorney to help me with this. It is in my eyes extremely predatory and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
In XX/XX/2023, I was 4 months behind, and I applied for loan assistance/Forbearance. My reason for this was a temporary decrease in income. The application asked for documentation of that change in income. I already had the loan, so I had no idea it would be trated as a new loan application. I was called 2 months later and told the the application was closed because I didn't provide proof of income. I had provided my tax returns and proof of lower income, but they wanted proof of income for current repayment. I understood the request but no one had told be that. I resubmitted the application with proof of income, and in XXXX I was declined because I was over 90 days past due. So I waited 5 months to be told that if I caught the loan up to within 60 days I could have qualified, but no one told me that. I also was under the impression that the loan would be on hold while under review, so now I'm in a posiiton that requires me to get out from being 8 months behind to qualify for re-submission. I offered to pay a double payment then triple payments to get under 90 days but I was told that might not be enough to stop foreclosure. So what they are telling me is that if I had been told in XXXX when I first applied that I should make a payment to get under 90 days past due, I would have qualified but now I may get foreclosed on because I can't recover 8 months that quickly.

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 2024-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
Upon reviewing my credit report, I noticed that laws were being violated against me regarding these collections. After carefully reviewing my records, I can confirm that these discrepancies are not accurate representations of my credit history. I am disputing owing any and all debts to Southwest Credit Sysytem I am revoking all rights of them communicating with me through email/text or calls. I am requesting this debt be validated. I am requesting the purchase agreement between them and the Original creditor. I am also requesting the Collection agency to furnish proof that they are licensed and bonded and can legally conduct business in the state of Michigan. I have not been provided with validation information under 12 CFR 1006.34 ( b ) ( 5 ) but there has still been a collection placed on my consumer report. I have not been given the chance or opportunity to dispute any and all accounts associated with the company according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection Agency is violating my consumer rights by using false and misleading representation and deceptive practices/means. Collection Agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and hence in violation of 12 CFR 1006.34 ( d ) and code 15 usc 1681-s2 ( 7 ) ( A ) Thank you for your prompt attention to this matter. Section 623 ( a ) ( 8 ) : This section requires furnishers of information ( such as creditors and debt collectors ) to promptly investigate disputes forwarded to them by the credit reporting agencies and report the results of the investigation back to the agencies. These are some of the key provisions of the FCRA that govern the process of disputing inaccuracies on credit reports and ensure that consumers have the opportunity to correct errors and maintain accurate credit information. 

Southwest Credit Solutions is involved in several lawsuits for violating the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My account has been locked on XX/XX/2023 and I called chase for the reason, they only provided that they will close my account for the safety consideration. 

My account has been officially closed on XX/XX/2023. From the time my account has been locked and closed I can not see any information about my account. 

After the officially closures, I have call about XXXX times about when will my remaining fund which is about ( {$840.00} ) on my saving account will send out, they have told me that the fund is still on legally approvals and they dont have a specific. 

During my calls, they have give me misinformations saying that my fund has been send out, and later on the next call they told me that was a misinformation that the check has never been send out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express claims that I deleted my auto-pay but that is not accurate. Since my account is set to auto-pay I did not realize that a payment was missed until after the due date. Once I realized that a payment was missed I paid the amount in full. This was 4 days after the due date. Even though the payment was made in full and the account went to {$0.00} before the next billing cycle began, AMEX has charged interest for the last 2 months without any explanation. They have also not provided any evidence ( or have any evidence in my opinion ) that confirms that the auto-payment was deleted my me. 

This seems to be a recurring theme with AMEX as other customers have complained about this scenario several times in recent years. AMEX charges bogus fees and interest caused due to their system errors. As someone who has worked in XXXX XXXX, I can attest that no system is perfect. Data loss is not uncommon when shipped from one system to the other. AMEX needs to acknowledge this and not charge bogus fees and interest to long-standing customers who do not have a history of missing payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deposited my retirement check that I have had to wait 4 months to receive. Wells Fargo continues to place blame on everyone else instead of giving a honest and direct answer. Every time I have called I have been told something different. They say the system says it's an issue with the check issuer. I called the XXXX XXXX XXXXXXXX and the XXXX XXXX XXXXXXXX XXXX and spoke to both supervisors who confirmed that there is nothing wrong with the check issued. Then I call today and I am told it's an hold from the Federal Reserve, so I call them. They also confirm that the Federal Reserve has nothing to do with that. I also work for a company that issues proceeds to owners and I have had several owners who ONLY bank with Wells Fargo tell them the same exact thing. If people are depositing checks from different organization, it can't possibly an issue with every organizations checks. Some of these companies are Billion dollar companies. I worked hard for my money and I have been waiting a very long time to receive it and I don't appreciate not having access to ANY of my funds while Wells Fargo is telling me different things each time. It's not fair how much we invest into these institutions for them to turn around and withhold our funds and then blame on everyone else. Once my funds are released I will be looking for a bank.

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 2024-02-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: TX

Complaint narrative:
Per the FCRA, as a federally protected consumer, I have rights to preserve the fair and accurate reporting of all accounts on my consumer report and Consumer File. I have disputed accounts that have been already removed because they were lawfully supposed to. I now see those back on my account. These are accounts of unvalidated and inaccurate reporting. These are also appearing without my consent, written instructions per 15 USC 1681b, nor was I notified in writing that they are reporting this information. This Consumer reporting agency is not in compliance with 15 USC et seq, nor 12 CFR Part 1022 - Fair Credit Reporting ( Regulation V ). I have instructed EQUIFAX to remove ALL Late payments, delinquencies, inquiries and ALL of the negative Items and reporting. They are reporting Income Charge-offs '' ( per the IRS ) on my report, and they are sharing late payments on accounts that fall under the authority of XXXX5 USC 1666b where late payments are not to be reported. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: FL

Complaint narrative:
My loans were consolidated in XXXX.I have worked for the federal government since XXXX. 

Public Loan Forgiveness requires 120 payments. I overpaid by approximately 70 payments and am requiring about a refund. 

Mohela is not giving me any information concerning my eligibility for a refund. 

Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: KY

Complaint narrative:
Receivables Management Partners , LLC ( RMP LLC ) has been harassing me every day at least twice a day via various different phone numbers to collect a debt that is not legally mine. 

I leased a new vehicle back in XXXX. I sat in the dealership with the salesman as he called the original credit union directly for a payoff amount, it was read off via the automated phone menu, and the salesman sent that exact amount to the original credit union and I signed the title over to said dealership ( Performance Select cars in XXXX, KY ). 

Days after I began receiving letters and many many calls regarding a {$65.00} difference in the payout amount that I'm not even legally responsible for as the car title hasn't been in my name since that car was signed over before I left the dealership lot. 

It took maybe a week before RMP, LLC began harassing me everyday with various different numbers NUMEROUS times a day. 

I've answered twice on recorded line explaining the debt is not mine legally and they will get nothing from me, if they'd like it paid contact those legally responsible at XXXX XXXXXXXX XXXX in XXXX. But they still keep harassing me with calls and texts every. Day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am writing to formally dispute and request the removal of a collections account from my credit report, citing multiple violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and regulations outlined in 12 CFR 106.34 and 15 USD 1681-s. 

The collections account in question, associated with DISCOVER BNK, has been reported without proper validation information, contravening 12 CFR 106.34 ( b ) ( 5 ). Despite the absence of adequate validation information, this collection has been adversely affecting my consumer report. 

Account Numbers : XXXX XXXX XXXX Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process is a clear violation of my rights under consumer protection laws. 

The collection agency, DISCOVER BNK, has engaged in practices that violate my consumer rights, including the use of false, misleading, and deceptive means. Such practices are not only unethical but also in direct contravention of the FCRA. 

Moreover, DISCOVER BNK has failed to provide any and all required disclosures before furnishing the account to consumer reporting agencies, as per 12 CFR 106.34 ( d ) and 15 US 1681-s 2 ( 7 ) ( a ). This represents a blatant violation of the law.

I am disputing any ownership of debts to DISCOVER BNK. I am hereby revoking all communication rights through email, text, and calls. Furthermore, I request the following documentation : Debt validation for the alleged debt.

The purchase agreement between myself and the original creditor.

I expect a comprehensive investigation in line with the FCRA, 12 CFR 106.34, and other relevant consumer protection laws. If the information is found to be inaccurate or if the collection agency fails to provide the required documentation, I demand the immediate removal of the collections account from my credit report. 

Please provide written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your immediate attention to this matter, and I anticipate your cooperation in ensuring compliance with consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Unable to get credit report on my mortgage, i have been making payments and never missed a payment, they received my payments but they never reported it to the credit agencies

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Unable to get credit report on my mortgage, i have been making payments and never missed a payment, they received my payments but they never reported it to the credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Keep getting spam by different numbers even if they been blocked. Been XXXX  when working or on my days off. It has came to a point where Ive tell them to stop spam calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I see a Collection account was posted on my SSN from all 3 credit bureaus. Below is the collection detail : Company : SEQUIUM ASSET SOLUTION Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX Balance : {$1400.00} The original creditor of this debt is XXXX XXXX I've called XXXX and confirmed I don't own them any money. Since I've got identity theft incidents happened before ( 1 credit card and 1 bank account was opened under my SSN in XX/XX/XXXX ), I believe this collection is also the result of identitfy theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase Bank is denying my claims that the transactions made from out of the country on my checking account are all fraudulent transactions. I told the gal Ive never been out of the country and I can show her my passport to prove Ive never left the country and all the transactions made and posted on XXXX XXXX are fraudulent. They closed my claim for {$690.00} for ATM transactions because their investigation indicated they were made using a PIN number. During a previous recorded conversation I was asked if I had the card that was used for the transactions in my possession. I said yes I do. Their investigation then concluded it then had to be me that made the transactions. Even though I told them it was not me and the proof I have is my passport indicates I never left the country. I was told by the gal there was nothing further I or they could do. The gal then asked me if there was anything further she could help me with. If not, she would end the call with me! They are also investigating several other fraudulent transactions on my account that have occurred out of the XXXX which looks like they are specifically from XXXX. There was also a fraudulent transaction where a transfer of {$480.00} was transferred from my savings account to my checking account which was used to try to cover a portion of these fraudulent transactions. That left my savings account with a XXXX balance which I would never allow it to go down to! They have started to return a small portion of the fraudulent transactions back to me but not even half of them have yet to be returned to me! 
Thank you for your help in this frustrating matter with Chase Bank!

Company response to consumer: Closed with explanation