vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NM

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 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 2024-09-19 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OR

Complaint narrative:
I have been eligible for PSLF for 13 months. My Federal Student Loan dashboard accurately reflects that I have completed my obligation of XXXX qualifying payments. The dashboard of my loan servicer, Mohela, STILL does not reflect this reality. I have had to request multiple administrative forbearances from the loan servicer in order to avoid unnecessary payments while forgiveness is being processed. I will need to do so yet again on XX/XX/XXXX. 

Once more, I have been eligible for PSLF for more than one year! Both the loan servicer, Mohela, and Federal Student Aid who is handling PSLF and has not yet notified Mohela that my loans must be forgiven should be held to account. This is ridiculous. 

Months ago, I submitted a similar complaint to the CFPB. There was no resolution other than Mohela is " looking into it. '' Will the Consumer Financial Protection Bureau actually do its job this time? Or is a private attorney necessary? My patience is gone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In XXXX of 2024 I reached out to XXXX  XXXX XXXX to set up a payment plan for my already closed credit card account. I was told the payment plan would be for {$510.00} a month but that the account will show every month a balance of {$370.00} but to ignore this and that when I am able to make extra payments this will go away. I continued to receive calls from XXXX that my account was past due even though I was making my payment of {$510.00}. Upon speaking to someone on one of these daily calls from XXXX I was told inaccurate information that I hadn't make a payment in a year and that he couldn't see any of my recent payments or history of my payment plan. I told him I wanted this escalated because he had no idea what he was talking about. I was transferred to someone that was very helpful and told me that he could see that I have been making my payments of {$510.00} and that the calls will continue until I could make extra payments and that it would not get sent to collections or reported. He also mentioned if I am ever a couple of days late with the payment that it would be okay because they have a grace period. Fast forward to today, I get a notification of a new update to my credit report. Apparent XXXX  reported my for delinquent payment ( the {$370.00} play the {$510.00} that was a few days late ). I have went my whole life with no late payments on my credit report and XXXX  just destroyed that because they are not on the same page.

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 2024-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Mr. Cooper, my mortgage company, continues to deadname me. I have submitted my legal name change documentation as requested, and while it was processed in some form ( after two tries, the first time they failed to update my first name and only updated my last name ) such that my statements and tax forms have my correct, current, and legal name, their online service portal at mrcooper.com continues to use my deadname. I have contacted their support via phone and chat at least four times ( and have submitted a previous CFPB complaint that was closed without this being resolved ) and each time been promised that it was fixed, that they just needed to delete my online account and then have me recreate it. When I go through that process, their website says " We're having trouble finding your loan '' with my legal last name and SSN. Tellingly, it will find it under my prior ( dead ) last name. However, continuing with that process just results in a new online account where I am again being deadnamed. At this point their failure to fix this is harassment and discrimination. The previous CFPB complaint I submitted about this they failed to read in its entirety : they responded by closing it and saying they fixed the name on my payments, but the portal ( their website at mrcooper.com ) is still deadnaming me over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have no association with the listed creditors, and these inquiries were not made by me.

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 2024-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX my account was restricted. The company asked for information to unlock my account. I provided the information on XX/XX/scrub> 2024. However, in subsequent attempts to contact the company no one has responded. My account is still restricted, and I can not access my skrill debit card or funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: IL

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
They saying I own 16 months on rent XXXX dollars I dont owe any money to them an I didnt sign now lease in XXXX I only sign XXXX lease with them an that was only XX/XX/XXXX of XXXX I got all receipts that they are lying about the the money I owe them I dont owe nobody no money like that 16 months of not rent they dont even let you get 3 months behind in rent how do I owe XXXX to apt that was only XXXX a month

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
I received a lawsuit on XX/XX/year>2024. I reached out to the attorney to try and resolve the matter. On XX/XX/year>2024 I was told that they would only accept the full amount due plus interest and an agreed judgment. I offered to pay the total amount due with interest at the Ohio legal rate of 8 % with payments each month and they needed to dismiss the lawsuit and I would sign a settlement agreement with them. The attorney told me that they had rejected my offer and there was no counter offer. This seems to me that they are not negotiationing in good faith and they have refused to accept the full amount due plus interest. They are trying to charge 23.8 % which is above the usury rate in Ohio, which is 8 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: FL

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 2024-09-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This account is being reported as a charge off but has an open balance which is against the Fcra guidelines. This account was already reported as a loss no 1099 was provided the last actiivity dates are not the same which is also a violation of the fcra guideline XXXX is reporting this account as a charge off monthly which is against the fcra guidelines Equifax is reporting paid as agreed but also reports as a charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: MN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Re : Debt Validation Request for Account XXXX, Dear Jefferson Capital Systems LLC, I am writing to request validation of the debt referenced above, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I received your communication regarding this debt on [ date you were contacted ] and wish to exercise my right to request further validation before proceeding with any discussions or payments. Please provide the following information : 1. Proof that I am legally obligated to pay this debt, including a copy of the original signed agreement or contract.

2. Itemized breakdown of the debt amount, including any fees, interest, or other charges.

3. Proof of ownership showing that your agency has the legal authority to collect this debt on behalf of the original creditor.

4. Details of the original creditor, including their name and contact information.

5. Verification of the statute of limitations, clarifying whether the debt is within the legal timeframe for collection. Please note that, according to the FDCPA, all collection activity must cease until the debt has been properly validated. I expect your response within 30 days of receipt of this letter. Failure to validate the debt may result in me reporting this incident to the Consumer Financial Protection Bureau ( CFPB ) and considering any further legal actions to protect my rights. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>24 I received a text that looked like it came from Chase Bank. It read, have you tried to send {$1000.00} using XXXX. Reply Y or N. If N, a bank rep will be calling shortly. I answered N and I received a call a few moments later. This person identified himself as XXXX XXXX from Chase bank and he was going to help me secure my account and reverse the charges. He told me someone from XXXX florida had hacked my account. He knew my checking and savings balance and then he proceeded to have me enter numbers into the XXXX  portion of the app telling me I was reversing the charges. He told me not to access my account until I received another call from Chase the next day. The next day came and Chase called back and had me do the same thing I did but this time from my savings account. He told me that I would get an email from Chase letting me know it was OK to access my account again. Well, I didn't hear from Chase for a couple of days so I called them and that's when I found out that those Chase agents were the actually hackers/scammers and they had drained my account of {$4000.00}. Chase seemed genuinely sorry for me, but then sent me a letter a week later saying they would not be adjusting my balance and that it was my fault and they had nothing to do with it. Then a couple days later I received an email from chase saying my data had been compromised in a data hack. So I contend it is their fault because the scammers that called me knew my bank balances which they could not know without access to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc.
State: NV

Complaint narrative:
My XXXX  purchased a vanilla gift card from XXXX for {$500.00} for my birthday he paid cash. When I went to use the card, it would not work when I called the card services, they said it was not activated and they would have to send me a new card. When I did not receive a new card, I called back, and they requested a copy of the receipt. This was after I had already waited 30 days, I immediately contacted XXXX corporate, and they provided me with the receipt which I sent to Vanilla customer service, and they said they would investigate, and it would be another 30 days. I called every week to check on the progress and was told the same thing over and over they were investigating the card. The problem is the card was paid for in cash, so we have no recourse which is wrong. We contacted XXXX corporate, and they said we had to fight this out with Vanilla, but we paid XXXX the {$500.00} for the gift card. The card was purchased on XXXX and it is now XX/XX/year>, and no replacement card has ever been sent. I can not get my {$500.00} back from vanilla or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: CA

Complaint narrative:
To whom this may concern, This letter is a formal complaint that you are reporting inaccuracies and incomplete credit information.

15 U.S.C. 1681e ( b ) Compliance and Procedures ( 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.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable account must DELETE the account listed below. 

Creditor Name : XXXX In addition, DELETE all non-account holding inquiries over thirty ( 30 ) days old. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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