vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I graduated medical school in the summer of XXXX and my federal loans were initially serviced with XXXX XXXX. As PSLF was anticipated to be revamped in the summer of XXXX, I applied for PSLF and requested to be placed on an income driven repayment plan. This was approved by great lakes with all loans listed as eligible and a monthly repayment amount of {$1900.00} due to start in XX/XX/XXXX ( this was later extended when the XXXX payment pause was prolonged ). 

When my PSLF application was processed, my loans were transferred to Mohela in XXXX of XXXX, but for some reason my IDR plan was not transferred and I was initially listed as being in standard repayment. I called Mohela and they said they would refile the IDR ( unfortunately they also recertified my income without my consent and my payment amounts rose by XXXX dollars ). I received notice from Mohela XX/XX/XXXX that all my loans were eligible for IDR and my new payment amount would be {$2000.00} per month. 

On XX/XX/XXXX of XXXX, Mohela placed my account on an administrative forebearance, presumably to switch from REPAYE to the SAVE plan ( though this was never discussed with me ). On completion of the forbearance, only XXXX of my student loan disbursements were listed on the SAVE plan with the remaining 5 loans listed as on level repayment and my repayments went up to XXXX. I also received notice that my income needed to be recertified on XX/XX/XXXX I called them about this in XXXX of XXXX when I realized the error and was told it would be corrected, but the application to correct the error was cancelled without notice in XX/XX/XXXX. I called Mohela again today XX/XX/XXXX to fix both issues ( my loans not all being listed in SAVE and thus not all being eligible for PSLF ) as well as my income driven repayment income certification being incorrect ( based on my initial IDR certification it should have been due for renewal in XXXX of XXXX and thus extended to XXXX of XXXX, and based on the deadline Mohela gave me of XX/XX/XXXX it should have also been extended by one year to XX/XX/XXXX as the deadline was before XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We initiated with Chase Bank on XX/XX/XXXX for {$140000.00}. It included PMI insurance. The mortgage stated that the PMI would " automatically be removed once the loan amount reached 78 % of the original value of the property ''. This was not done by Chase in XXXXXXXX XXXX XXXXXXXX when the loan balance fell to {$100000.00}. It was not removed until XX/XX/XXXX we I contacted Chase. Chase continued to collect {$120.00} for 66 additional months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Went to Bank of America to get full disclosure of the account.Was told by service rep an account a lil over 3 years never existed.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Ive submitted certified disputes regarding unauthorized account investigations including supporting documents including the cfpb complaints and FTC Report accounts still reporting requested for deletion of account now monetary request for violations and illegal reporting and misleading Multiple disputes and certified request XX/XX/XXXX XX/XX/XXXX In violation of consumer laws 15 U.S. Code 1692e - False or misleading representations R 15 U.S Code 1692g Validation of Debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of a judgment or the name and address of the original creditor.

US Code 1681 e ( b ) collections must be 100 % accurate across all 3 bureaus Charge Offs : Violation of 15 usc 1635 right of recission

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 2024-01-24 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: TN

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 non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX. I have been having my right violated multiple times by Experian. Because they deliberately continue to report verifiable inaccurate information on my consumer report I had made multiple attempts to resolve this matter. I have called I have filed complaints through the CFPB. I even mailed them a police report which they claimed, I send it directly even though I also uploaded the same police report through the CFPB so theyre just purposely pushing my problem to the side, not caring whatsoever. I provide my ID and Social Security number. Everything they have asked me for Ive given to them yet still they continue to break the law. 
The account that I have been disputing our as follows : XXXX XXXX XXXX XXXX XXXX Acc XXXX XXXX XXXX 


XXXX XXXX XXXX XXXX XXXX Acc XXXX XXXX XXXX. 



XXXX XXXX XXXX XXXX 
Acc XXXX XXXX XXXX 


XXXX XXXX XXXX Acc 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 explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Urgent Request for Correction of Credit Report Information Dear XXXX, XXXX, and Equifax Customer Service, I hope this letter finds you well. I am writing to bring to your attention significant concerns regarding the accuracy of information on my credit report associated with my account with XXXX XXXX XXXX XXXX. 

Upon careful review, it has come to my attention that there are violations of federal laws, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2. These laws emphasize the importance of accurate reporting and fair practices in the credit industry.

I am particularly concerned about the violation of 15 U.S.C. 1666 ( b ), which explicitly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This provision underscores the critical importance of ensuring that payments are not erroneously treated as late.

The absence of a robust system to confirm whether I am receiving statements, whether in paper or electronic form, raises questions about compliance with this federal law. By failing to adopt reasonable procedures to verify the receipt of billing statements, there is a risk of treating payments as late, directly contradicting the mandate of 15 U.S.C. 1666 ( b ).

Furthermore, the disregard for 15 U.S.C. 1611 ( 1 ), which prohibits the furnishing of false or inaccurate information, is troubling. The lack of a reliable verification process regarding the receipt of billing statements calls into question the accuracy of the information reported, especially concerning late payments.

Considering the gravity of these violations under 15 U.S.C. 1681n, which addresses willful non-compliance with federal law, I request that immediate steps be taken to ensure the accuracy of information reported to consumer reporting agencies.

I also draw your attention to 15 U.S. Code 1681s-2, which mandates furnishers of information to provide accurate and complete information. It is crucial that XXXX XXXX XXXX XXXX complies with these obligations to rectify any potential adverse impact on my credit history. 

In light of the concerns raised, I kindly request that my account status be promptly reviewed and updated to paid as agreed. I believe this corrective action is necessary to align with the aforementioned federal laws and to ensure the accurate representation of my payment history. 

Your prompt attention to this matter is crucial, and I trust that XXXX, XXXX, and Equifax will take the necessary steps to address and rectify any potential inaccuracies in my credit report. I appreciate your cooperation in resolving this matter promptly. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian just said they arr working on the issue STILL but they really didn't but just received a phone call from an Experian phone number and the person left a message and can barely speak XXXX AND THIS NON ENGLISH SPEAKING PERSON WANTS MY FULL SOCIAL SECURITY NUMBER NOT A CHANCE SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM

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 2024-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: WI

Complaint narrative:
I filed two complaints with two different Credit companies and I was asked for more information and was told to call you and now Im filing a complaint because I have never had a account or any kind of business with 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 explanation
Consumer complaint received 2024-01-24 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: GA

Complaint narrative:
I hope this message finds you well. I am writing to express my concern and submit a complaint to EQUIFAX regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, EQUIFAX will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
IXXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-01-24 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: VA

Complaint narrative:
I had an account through XXXX that went to collections during COVID. I paid it all off with my last payment posting to the XXXX account on XX/XX/2021 for {$170.00}, but Experian had it updated on XX/XX/2021 and nothing after. They DO have the last payment that they claim, which corresponds as my last payment PRIOR to my XX/XX/XXXX payment as XX/XX/2021. I have gone through 3 Dispute processes with Experian and all three have been rejected. I called XXXX the last time to get more documentation. I got a PDF and they are also mailing me proof that my account is in fact paid in full, but Experian claims that they called XXXX and XXXX  claimed I haven't paid it, which makes no sense because my account shows that I paid ALL of my accounts off and that I don't owe anything on this account or any other account with them and the person I talked to confirmed this and so does my account online. I will also be doing a claim for XXXX also.

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 2024-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I received a text message on XX/XX/24 from XXXX from Spring Oaks Capital , LLC. wanting to set up a payment plan for {$100.00} a month for nine months. This payment plan is for XXXX XXXX I would assume is a defaulted account. 

I do not have or applied for an XXXX XXXX, so I do not know why this debt collector has my cell number and is trying to collect this debt from me. This company has started calling my cell today, XX/XX/24 at XXXX XXXX without leaving a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This is a screen shot a call I received from a woman from experian who said her name was XXXX but couldn't even pronounce the name

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 2024-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I looked over my credit report and notice that. there were some unauthorized inquiries. This is negatively affecting my credit and hindering me from being able to purchase my first home. According to the FCRA this is a violation. These are the inquires as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is defamation of my credit reporting history please remove.

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 2024-01-24 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: LA

Complaint narrative:
I looked over my credit report and notice that. there were some unauthorized inquiries. This is negatively affecting my credit and hindering me from being able to purchase my first home. According to the FCRA this is a violation. These are the inquires as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is defamation of my credit reporting history please remove.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2023 I requested verification for alleged debt for XXXX XXXX  they werent able to verify debt within 30days and sent me nothing that indicates the debt is mine. By law they are required to send me verification within 30 days. They took this debt off my XXXX report. This debt is still on my transunion and well as Experian credit report. I disputed debt for both credit credit reporting agencies and it has not been removed. Experian says its been verified. This is a mistake and by law they have to take this off my credit report. Also there is a bankruptcy reporting on my credit report for Experian that shouldnt be there US court stated they do not verify any information to the credit reporting agencies. This also needs to get deleted off my credit report

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 2024-01-24 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: CA

Complaint narrative:
Equifax is illegally reporting a negative account with a balance that I do not recognize from XXXX XXXX on my consumer report. 

The negative account ( canceled debt ) it is showing the amount total is {$11000.00} as Charge Off and I have never received a 1099 cancelation of debt form. Furthermore, I did not consent to allow any negative accounts to be posted to my credit report and thus it is in violation of 15 USC 1681eb and 15 USC 1692a ( f ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC
State: TX

Complaint narrative:
Loan was transfer to seven different loan servicing co. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They change loan to Home equitXXXX XXXX XXXX XXXX XXXX  ALL FILE BANKRUPTCY SELENE FINANCE IS NOW THEY ARE NOT CORPORATING TO SEND ORIGINAL PAPERS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
i received 5 letters in the mail that my checking and business accounts are being closed and i have till XX/XX/XXXX to remove funds. i did nothing wrong and have been with the bank for years, and never had an issue. some accounts XXXX XXXX XXXX or more.

Company response to consumer: Closed with explanation