vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Company squandered XXXX month advance payment, and squandered additional amounts added to payments in unexplained and fake charges. 
Details of the complaint will be attached.

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 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE
State: FL

Complaint narrative:
I dispute your claim and request validation from you under the Fair Debt Collection Practices. Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide a breakdown of fees, including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my email above and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the requested proof. Upon receiving it, I will correspond back with you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NJ

Complaint narrative:
My federal student loans were transferred to Mohela from XXXX. I uploaded a PSLF form on XX/XX/XXXX to update my employment and payment tracker. After months of the status being stuck in " processing '' the form was marked as " Duplicate form '' and cancelled. 
The PSLF form was not a duplicate, and those payment periods still incorrectly say employment not certified. 
I wrote to Mohela on XX/XX/XXXX, and received a response indicating it was an error, the form would be processed again, and the processing time would be another 90 days. 
Once again, the PSLF form was marked as " processing '' ; after the 90 days were almost elapsed, the form was marked as cancelled, again, with no explanation.

I received no communication about this, and only noticed by logging into my account and checking the status. I wrote to them again asking for an explanation of the repeat mistake. I suspect forms are just being cancelled and then resubmitted, to restart the 90-day processing time for the agency.

Correspondence and screenshot attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, 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:
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. 

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 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 an 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 or 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 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 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, has violated my rights.

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 an 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 or 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 2023-03-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Good Morning, In late XX/XX/XXXX, I requested a XXXX forbearance/deferment from Nelnet. I have XXXX XXXX and need to defer the funds from paying for my FFEL student loans to pay for XXXX, appointments, transportation, hotels, recovery, and supplies etc. The catch : I hold a XXXX XXXX XXXX loan with my wife. We were initially told yes! Nelnet can complete a XXXX Deferment for us and sent us the paperwork. A supervisor called us back an hour later and stated No, that we can not qualify for a XXXX Deferment UNLESS YOU BOTH HAVE XXXX!!!! Seriously, I couldnt make this up. She was very nice and understanding, gave us a deferment until XXXX XXXXBUT all the while the interest is accruing exponentially. 

The PL117-200 law signed by the President as of XX/XX/XXXX allowing us to separate these loans, but have not been given a mechanism to do so via the Department of Education XXXX In the meantime, I was diagnosed with an aggressive XXXX. I am very aware of the Department of Education Appropriations Act, XXXX, Title III of Pub.L. 115-245 I feel that I should be afforded the benefit of my loans NOT accruing interest as outlined in the law. We should NOT BE PENALIZED yet AGAIN for having a Joint Spousal Consolidated loan!!!

On top of this, I have a Parent Plus Loan that I will have to resume payment on in XXXX. I imagine I will have to navigate this process yet again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
I asked the credit bureau to do a verification for the following accounts and to furnish supply original contracts and the rights for these agency to collect in my state. The credit bureaus have only verified electronically without providing proof and has failed to do so in the time allowed. 
XXXX XXXXXXXX XXXX XXXXXXXX {$590.00} acct # XXXXXXXX XXXX XXXX {$1200.00} acct # XXXX XXXX XXXX XXXX {$1000.00} acct # XXXX XXXX XXXX XXXX {$860.00} acct # XXXXXXXX XXXX XXXX {$990.00} acct # XXXXXXXX XXXX XXXX  {$650.00} no acct number displayed XXXX XXXX XXXX XXXX {$1000.00} no account number displayed In accordance with the Fair Credit Reporting Act all of these companies have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2. It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
XXXX was first complaint. 
Greensky is in a class action law suit over these occurances. 

I rec 'd a letter stating that they were correct, however, this was resolved on my wifes account and I have an actual letter stating that the balance was at XXXX  Not one payment was ever made over a discrepancy with the work that needed to be done. Even though they sent paperwork that we did pay some payments. Then we rec 'd XXXX balance letter from them. This should not be on my credit report. This is why they are in a class action law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, 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 according with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX account XXXX : XXXX has violated my rights. 15 U.S.C. 1681 Section 602 ( A ) states I have a right to privacy. 15 U.S.C. Section 604 ( A ) Section 2 states consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666 ( B ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I opened this account in XX/XX/XXXX. I paid in full and requested by phone to close credit card account. Due to incorrect billing by XXXX. Experian is reporting XXXX late payments on this closed account as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
XXXX XXXX XXXX  has illegally reported a total count of 4 late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.

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 2023-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
They are trying to collect on a receivable they bought from XXXX XXXX XXXX XXXX XXXX XXXX ) for a charge back in XX/XX/XXXX. We paid an amount ( around {$170.00} ) that was not covered by insurance back in XXXX. All of sudden an additional amount is being billed ( original letter is dated XX/XX/XXXX ) to us in XXXX by Phoenix Financial ( collection agency ) for XXXX XXXX XXXX XXXX. All they have is an entry on their books that says we owe with no explanations. And all they can say is we owe it, and IT will hurt our credit until it is paid ( {$220.00} ). 

They don't even try to give us suggestions on how to follow up this. This is not right and I feel we are just being bullied into paying something that we don't believe we don't owe. And we never got a bill for this additional amount that supposedly we owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
I recieved a letter from Radius Global Solutions stating that we owe {$5400.00} but everything from our accident was paid through a lawsuit. When i contacted them they did not verify me or my husband by either DOB or SSN & they did not give me the mini XXXX statement. I tried explaining to them that all debts related to our accident were paid through a lawsuit & we would need validation of the debt. I was told to hold for a supervisor. when the supervisor finally came on the line i tried explaining to them the same info & they still did not do any verifications or mini XXXX but then told me they would need my husbands permission to speak to me. i advised them that in the state of TN they don't need the spouses permission to speak & she kept just saying i need his permission. I tried again to ask for validation & she again refused.

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 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or about XX/XX/2023, I made a purchase from XXXX XXXX in the amount of {$590.00} to be split into three payments of {$190.00} each onto my bank debit card. XXXX XXXX explained that I was purchasing a marketing system and I was thrilled about my purchase until XX/XX/XXXX when I was contacted by phone and text by one of his staff members, XXXX because he said that what I purchased would not guarantee my success. At that point, I felt as though I been scammed and was very discouraged and then I received a phone call from another member from his team and his name was XXXX XXXX. I explained to him that I did not want to continue with the program due to XXXX 's comments and I shared with him that I was extremely disappointed. XXXX said that XXXX made a mistake but I obviously did not believe him and I never utilized anything of the web information that was emailed to me because I felt as though I had been scammed and I told XXXX that I wanted to cancel and he kept telling me that he was going to send me some special package that I never received and I told him that I just wanted to cancel and he never responded after that again. XXXX XXXX charged my debit card twice in the amount of {$190.00} on XX/XX/XXXX and again on XX/XX/XXXX and Bank of America only provided provisional credit for the first charge because they are saying that this a fraudulent claim and doesn't fall under Regulation E. I spoke with them to file the original claim for both charges on XX/XX/2023 and they told me that there wasn't a specific time frame that they were required to follow for the claim process. I asked them what government entity regulated the bank regarding the handling of these types of claims and they said that they did not know and was not very helpful at all. They said that I was not entitled to a provisional credit for the second debit for the charge on XX/XX/XXXX because it didnt fall under Regulation E. I have been a bank customer for over 28 years and they have always treated so very poorly and I am going to take my business elsewhere very soon because I am tired of this treatment.

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 monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I submitted an online application to Chase ( subsidiary of JP Morgan Chase & Co ) for a Sapphire Preferred Credit Card on XX/XX/2023. I have a security freeze on my XXXX credit report due to identity theft & the discrepancies XXXX has not taken off. I do not wish to lift the security freeze. The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants exercising their right in good faith under the Consumer Protection Act. 

I received a letter from Chase XX/XX/2023. I spoke to a Chase Representative on XX/XX/2023 to let them know I would be sending a letter of this similarity so they would not close my application ( or at least extend the time allotted for me to reply via postal mail the same way they replied to my application ) but they did not allot enough time to do so as there letter states I must lift the security freeze within 14 days of their dated letter ( XX/XX/2023 ). It is as if they are trying to coerce me into lifting my freeze or else. 

Credit means the *RIGHT* granted to an applicant. ( 12 CFR 1002.2 ) I do not wish to be discriminated against due to a credit report that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 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 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following companies/creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. states that 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 my written authorization /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 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 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following companies/creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. states that 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 my written authorization /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 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