vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Stopped payment on check XXXX XXXX XXXX XXXX XXXX XXXX  ) and called to inquire if the check had been presented - knowing whether or not if I can pay the merchant without fear of a duplicate payment. 

At XXXX XXXX I called the customer service department of Bank of America XXXX and the request was too much for the agent to handle- and she went into overload and hung up on me!!! 

Nasty Nasty Nasty!!

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 2024-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quantum3 Group, LLC
State: VA

Complaint narrative:
The debt collector Quantum filed q bankruptcy proof of claim for medical services received at XXXX XXXX XXXX XXXX on XX/XX/XXXX. ( Attachment 1. ) When I visited the XXXX XXXX on that date, I presented my XXXX XXXX XXXX XXXX XXXX  ) insurance card. With XXXX XXXX plans, the private insurer is responsible for paying all medical bills instead of traditional XXXX. ( XXXX XXXX. ) In my experience, when visiting other doctors and providers, I have only needed to provide my XXXX XXXX card, and my claims were always paid. No other provider had previously asked me for my traditional " XXXX XXXX XXXX XXXX '' XXXX card. 
However, during my visit to XXXX XXXX on XX/XX/XXXX, the admitting staff insisted on seeing my traditional XXXX card in addition to my XXXX XXXX card. Despite this being an unusual request, I was experiencing a medical emergency and was not in a position to argue.

Later, I received an Explanation of Benefits from XXXX stating that they would not pay this claim because I have a XXXX XXXX plan, and the claim should have been submitted to my private insurer instead. I promptly emailed the medical provider with a copy of my XXXX XXXX card and explained that they needed to bill that insurance.

Unfortunately, I did not receive any further communication about this XXXX XXXX bill until I
filed for bankruptcy about a year later, on XX/XX/XXXX. At that time, the debt collector Quantum filed a proof of claim in my bankruptcy case for {$990.00}.

Since the medical provider failed to properly bill my insurance company, despite my providing them with my valid XXXX XXXX card XXXX, I do not believe I should be responsible for this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-23 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: CA

Complaint narrative:
Way back in XXXX in XXXX I had filed a FTC ID AFFIDAVIT and disputed with EQUIFAX regarding inaccuate and unauthorized inquiries! My info was involved in the EQUIFAX Data breach!

In accordance with the Fair Credit Reporting act. The inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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. I Have never given permission for these companies to pull my credit for the last year! This is illegal and a violation of consumer rights! I obtained FTC Identity Affidavit back in XXXX to dispute and request deletion. EQUIFAX has refused to delete these inquiries which has blatantly violated my consumer rights and protection. 
Inquiries : 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 XXXXXX/XX/XXXX 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 I want these inquiries deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANKERS HEALTHCARE GROUP LLC
State: FL

Complaint narrative:
The XXXX data breach occurred between XXXX and XX/XX/XXXX at the American credit bureau XXXX. Private records of XXXX XXXX Americans along with XXXX XXXX XXXX  citizens and about XXXX XXXX citizens were compromised in the breach, making it one of the largest cybercrimes related to identity theft. 

My information was part of the breach. In XXXX I was getting alerts my email was found on the Dark Web. 

In XXXX the Bankers healthcare group located in XXXX XXXX  has filed and obtained a judgment against me and states I waived all my legal rights. This debt doesn't show on my personal credit report since I have frozen all 3 to thwart any attempts of being a victim of identity theft. After speaking with a lawyer, this appears to be a fake judgement, filed in XXXX  even though my old address is still XXXX  - using paperwork I never signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: TX

Complaint narrative:
MY RIGHTS HAVE BEEN VIOLATED. EXPERIAN HAS BEEN WILLFULLY NON COMPLIANT WITH THE LAW UNDER 15 USC 1681. 

I will be seeking litigation after this final attempt to fix this. 
I have been dealing with this since XXXXExperian replied on XX/XX/24 and as of XX/XX/24 it hasn't been fixed nor have I been contacted. More than 30 DAYS have passed The account is a conns charge off. 


ALSO The following codes have been violated. 
15 USC 1681b-permissible purpose 15 USC 1681 Section 602A-right to privacy 15 USC 1681 Section 604A -written consent 15 USC 1681eb-maximum accuracy 15 USC 1681S-2a1a-reporting information with knowledge of errors 15 USC 1681 ( 2 ) ( a ) ( i ) -reporting information solely as a transaction between consumer and the furnisher is PROHIBITED I have my lawyer ready to file the lawsuit within 15 days from receipt of this.

see attachements

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 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
information is being reported on my consumer report without my written permission which is a clear violation of my rights as a consumer per 15 U.S. Code 1681a see attachment

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 2024-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
I have XXXX loans with Mohela. Due to a lump sum payment made on XX/XX/XXXX, loans XXXX and XXXX are in " prepayment status '' and do not have a due date until XXXX/XXXX/XXXX. I want to set up a customized automatic debit for the current balance due for loans XXXX and XXXX, with an automatic debit for only the interest due on loans and XXXX and XXXX. On XX/XX/XXXX I tried to set up the auto debit on Mohela 's website but they set it for the current balance due on ALL XXXX loans. This caused my payment to be greater than it has to be and more than I want to pay, so I had to cancel the auto payment. The only way to resolve this was to write a letter specifying the payment instructions and mailing it to the company. I wrote and sent this letter on XX/XX/XXXX and it was not reviewed by Mohela until XX/XX/XXXX. The auto debit is still not processed and this has significantly delayed the XXXX % reduction on my interest rates that I would like to receive. This caused XXXX  months of interest to be charged at the higher rates since I have not been able to receive the auto pay interest rate reduction and inconvenienced me greatly. Please see attached documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
The dates and communication is all attached. 
I typed in my mortgage holder, Select Portfolio Servicing , IncXXXX, out of XXXX XXXX XXXX XXXX  on the CFPB website, and I didnt find the exact company name but after investigating further, I wonder if it even has the loan docs to my house. 
The XXXX in XXXX XXXX has over XXXX XXXX XXXX XXXXXXXX for this company. 
I am writing to explain an attempt to extort money and obtain my signature to set up escrow for the dates of XXXX in the amount of {$150.00}. My insurance is through XXXX XXXX XXXX ( XXXX ) which was recently switched internally to XXXX. [ I was going to change out of the XXXX altogether to XXXX XXXX but I changed my mind. SPS may try and say that I was uninsured at the tag end of the policy but XXXX is affirming otherwise ] I have contacted XXXX  and had them fax Select Portfolio Servicing the revised renewal declaration showing no lapse in coverage, and recently XXXX wrote a letter and I faxed it to SPS. 
SPS called again last night ( XX/XX/24 ) and they didnt get either document which is unbelievable, as SPS provided the fax number and I have a receipt from my fax service. I called them back and told them I was reporting them to the CFPB for harassment and unreasonable requests regarding a now expired policy-I think I would call it extortion. She explained that they needed my loan number to search for my records. XXXX, I wasnt instructed to have my loan number in the subject line of the fax or email. I put in my loan number, and suddenly she found my transmittal. I think they wanted my signature legitimizing my relationship with them and I wasnt going to give it. The original premise of buying a premium for an expired policy is laughable. XXXX XXXXXXXX representative was courteous but explained that the policy had expired. I explained that it doesnt have to be logical it merely has to state that there was no lapse in coverage between those dates. 
The original lender was XXXX and then XXXX XXXX XXXX and then Select Portfolio Servicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: VA

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to dispute a concerning issue regarding the personal & financial privacy notices and opt-out annually statements provided by XXXX XXXX XXXX XXXX XXXX XXXX as a data furnisher to TRANSUNION. It has come to my attention that XXXX XXXX XXXX XXXX XXXX XXXXmay be in violation of regulations requiring financial institutions to provide privacy of consumer financial information policy notices in writing to customers both initially and annually, as mandated by federal laws and regulations. 

I demand that XXXX XXXX XXXX XXXX XXXX XXXX promptly rectify this issue by providing me with the required privacy notices and opt-out statements in accordance with federal laws and regulations. Additionally, I request that XXXX XXXX XXXX XXXX XXXX XXXX conduct a thorough review of its privacy notice dissemination practices to ensure compliance with all relevant regulations moving forward. 

Failure to address this dispute and rectify the issue in a timely manner will leave me with no choice but to escalate this matter further, including filing a complaint with the appropriate regulatory authorities and seeking legal recourse if necessary. 

I trust that XXXX XXXX XXXX XXXX XXXX XXXX will take this matter seriously and take immediate action to ensure compliance with privacy notice requirements and protect the privacy of its customers ' financial 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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sezzle Inc.
State: TN

Complaint narrative:
Violation of the following : 18 USC 8.

1692 g.

809.

15 US 1692 e.

Company sends approval emails and offers to shop, yet has supposedly closed the account?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
This is regarding a mortgage with Mr.Cooper and our credit score losing over XXXX points. 

XXXX XXXX XXXX We were looking for a way to skip a payment like we have done with our credit union in the past. We came across the mortgage assistance option. Mr. Cooper made the process seem very straightforward and simple. I read all of the info on their website. 

I applied and they told me I needed to not make a payment for the month in order to start the program. So we started the process in XXXX of XXXX. We signed final papers in Mid XXXX of XXXX  and the Loan Modification has not been finalized yet. 

We have tried countless times to ask for an update but they said there is no direct way to contact their underwriters. We also submitted a formal complaint on XX/XX/XXXX and credit dispute but they informed us ( after over XXXX  days of submitting the dispute on XX/XX/XXXX ) that they are not in error. 

We feel completely misled. We were not informed that this would cause an issue with our credit. We both had near perfect scores of XXXX and we have seen our credit drop to below XXXX since XXXX. They assured me this was part of the process and that our credit would return to normal once the modification is completed. 

We feel tricked and cheated. Had we know this was the actual process we never would have done it. It is not with us saving {$250.00} a month. If there was a way to undo this nightmare I would do it. 

We were under the impression we were just skipping a payment. Their practices are predatory and need to be investigated immediately. I would never wish something like this to happen even to my worst enemy. 

During the whole process Mr. Cooper said our payments are in XXXX  Staus even though we have been making payments as part of the loan modification. They locked us in and now we have no power to change or fix anything. 

Mr. Cooper is ruining peoples lives by keeping their consumers in the dark.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

Company response to consumer: Closed with explanation