vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-24 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: MS

Complaint narrative:
NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT, NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Delete this item its outdated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New updated address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to inform you that your company is furnishing inaccurate and incorrect information to the consumer reporting agencies. This inaccurate reporting has caused severe damages to my character, reputation, general mode of living, and ability to obtain credit for personal and household purposes. Your inaccurate reporting has also damaged my livelihood. 

According to the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, you are prohibited by law from furnishing inaccurate information. I demand that you cease and desist the reporting of incorrect/inaccurate information immediately.

Even if you have not received a Form 1099-C, you must report debt as gross income on your tax return as defined by the IRS. The reporting of this account as a debt is inaccurate according to IRS definitions of canceled or charged off debt as income.

You are hereby put on notice that you are furnishing incorrect/inaccurate information and have 5 days to cure and correct this erroneous mistake from my consumer reports. 

In conclusion, I have shown that you are reporting inaccurate information and have not corrected it despite being notified. Your continued reporting of this information is a clear violation of the law and your responsibilities as a furnisher of information. Please take immediate action to rectify this situation. 

Sincerely,

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 2024-08-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX program Payments of {$220.00} are supposed to come out of my account every month on the XXXX. Today is XX/XX/XXXX, and {$220.00} has already been taken out of my account causing me to overdraw my back account, which wouldn't have happened if the money was taken on the XXXX because I have payments coming to me from my landscaping work on Sunday and Monday ( XXXX ). 

Payment was taken early, on the XXXX instead of XXXX back in XXXX too, which I wasn't expecting. 

This month, XX/XX/year>, my actual payment date scheduled for autopay, is a Monday and not a holiday or weekend so I'm not sure why this happened. 

People can not have money taken out before the expected and listed due dates and need to be able to plan. 

Screenshots attached showing my account and how it shows the XXXX of every month is my auto pay date. My bank account will not let me take a screen shot to attach of how the money came out today, the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc.
State: CO

Complaint narrative:
Spam phone calls from across the Nation, using different area codes. Non stop through out the day.

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 2024-08-24 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: FL

Complaint narrative:
1. Mohela has a VERY unreliable auto-pay system and in my opinion is an incompetent student loan servicer. 

2. This is at least the XXXX time I have had to setup auto pay on their site after getting a late loan notice because their autopay did not preform the auto withdraw request, despite receiving email confirmation that autopay was setup each time I performed the enrollment. I received email confirmation from Mohela that auto pay is set successfully on XX/XX/24, XX/XX/24, XX/XX/24 and XXXX. But despite all of these their confirmations they have not reliably auto-withdrawal and send me late payment notices. 

3. This is damaging my credit report by showing late payment for payments that Mohela confirmed would be withdrawn on time via their autopayment from my bank account. My bank account for autopayment has not had any issues or concerns related to overdrafts that could affect auto-withdraws. 

4. I was promised by Mohela that I would receive an interest rate reduction for setting up auto-pay. I see no evidence that Mohela has honored this policy. I want their proof of record that they have honored this starting back in XX/XX/24 when they first confirmed that my autopayment was set successfully. 

In summary Mohela is in need of major corrective action. They are not providing a reliable service when it comes to honoring autopay arrangements, they have not provided any evidence that they have honored our interest rate reduction agreement. They are creating late payments on my credit report by not reliably supporting their own autopayment system. This is not fair to all the student loan barrowers. I have read may issues from other student on XXXX and other platforms. I am seeking compensation and retribution for failure of their agreement and damages I have encored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: MOHELA
State: SC

Complaint narrative:
I've became aware that I have over XXXX thousands worth of Student loans that does belongs to be. I attended college almost XXXX ago and I have only completed 2 Semesters. 

I tried reaching out to Mohela/ Department of Education and they couldn't me my current or past address. I even request at least an signature stating that i'm responsible for paying all those loans that doesn't belong to me back. 

The tuition that was owed was repayed by the school, since I made the president and Finaincal aid aware that I noticed large loans were taken out and I never recieved any payments.

The school payed for those 2 semesters. 

I don't understand how I can have {$51000.00} worth of student loans reporting to my XXXX and {$44000.00} reporting from my XXXX and around XXXX reporting from XXXX. 

I would like for these loans and all of these false information to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I wen to log into my Equifax account to retrieve my credit report. After logging in and accessing the account i noticed i could not see any reporting information and a popup loaded " XXXX '' advising to call an agent. Once I called an agent i was prompted to go through all the trouble shooting to see what the problem was. The trouble shooting did not cooincide with the nature of the problem that i had as the agent suggested me to change my password so that she can let me back into my account. This is despite me telling her that i had access to the account but once i was in the account no reporting information was available. After i did comply and changed my password and tried to log back into the account with the new password i was forced to create, i no longer could enter my account. The situation for which i called had gotten worse at the hands of the agent as now not only could i not see any reporting information i did not have access to entering my account. It is my belief that the agent on the phone restricted my access to my account while on the phone with me and has caused me a servere inconvinence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2024-08-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My debit card and cell phone were stolen on Wednesday XX/XX/XXXX. I went to the bank, Hancock Whitney Bank, on Thursday and told them my card and phone were stolen and they pulled up my account. Many charges had been made, including transferring {$3000.00} from my savings account to my checking account. Then the thief sent money to herself via XXXX and XXXX XXXX transfers. 
All charges and transfers happened late the night of XX/XX/XXXX and the early morning hours of XX/XX/XXXX. 
I filed a claim with the bank and they DENIED my claim, stating my mobile app having XXXX XXXX and there is no way for them to know I didn't make the transactions. I have no idea how someone was able to get into my XXXX without my face or passcode. But they did. 

I also filed a police report with the XXXX XXXX Police Department - Item # XXXX List of purchases and transfers : Debit XXXX XXXX XXXX XXXX XXXX {$10.00} XXXX payment XXXX XXXX XXXX XXXX - {$300.00} XXXX payment XXXX XXXX XXXX XXXX - {$700.00} Online transfer from savings - {$1000.00} XXXX Payment XXXX XXXX XXXX XXXX XXXX {$400.00} Debit XXXX XXXX XXXX XXXX  - {$37.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$500.00} Online transfer from savings - {$2000.00} Debit Payment sent XXXX XXXX XXXX - {$100.00} Debit Payment sent XXXX XXXX XXXX XXXX {$20.00} Debit Payment sent XXXX XXXX XXXX XXXX {$50.00} Debit Payment sent XXXX XXXX XXXX XXXX {$50.00} Debit Payment sent XXXX XXXX XXXX - {$20.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Credit score was lowered XXXX points from Trans Union despite having consistent on time payments, and no negative remarks. This is the 3rd complaint seeing how CFPB closed the complaint with no resolution. All my documents are attached to resolve the situation for proof. There is absolutely no excuse to close this complaint with no resolution only to reply stating " we need clarification of the dispute. '' I attached documents, that's all the clarification they need! If my credit score is not restored after this attempt, I will be hiring a consumer protection attorney.

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 2024-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Indie Technology DBA Found
State: PA

Complaint narrative:
i have had my account for a minute now, and however the company decides to close the account due to not having a business account from what i was explained, now i have to redirect my business somewhere else due to close deposits supposedly i had a deposit on XX/XX/year>XXXX  for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year> a letter was sent for the credit bureau to validate certain debts within the allotted time frame, which is 30 days. The letters were sent certified mail and a return receipt was received on XX/XX/year>. It is now XX/XX/year> and I have not heard anything from the credit bureau.

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 2024-08-24 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: GA

Complaint narrative:
On XX/XX/year> a letter was sent for the credit bureau to validate certain debts within the allotted time frame, which is 30 days. The letters were sent certified mail and a return receipt was received on XX/XX/year>. It is now XX/XX/year> and I have not heard anything from the credit bureau.

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 2024-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America sent me a check for harm incurred during my " HARM PERIOD '' which spanned 2 years XXXX XXXX XXXX  for witholding funds from me during that time period. 

Included int hat letter they stated that I may apply for additional compensation via XXXX XXXX website. I applied in XX/XX/year>. Multiple emails back and forth from XXXX asking for additional documentation showing the harm I incurred during my harm period. 

I suffered XXXX reposession approx. $ XXXX. XXXX eviction approx. $ XXXX. I lost XXXX separate vehicles during that time, each vehicle worth under $ XXXX each. 

They also stated I could apply for fees charged by instiutions for missed payments and fees and interest charged etc. 

I am attaching XXXX of the documents i included or later uploaded in response to their XXXX separate requests for additional information. This spanned from XX/XX/year> to XX/XX/year>. 

This was very cruel. They say you can apply for additional compensation if you incurred serious harms such as evictions and reposessions during your harm period, which I did. And I showed proof of. Only for them to make a final decision saying that I did not show proof of harm incurred during ym harm period. THIS IS A BLATANT LIE AND UNTRUE. 

After their final decision, they state that the decision can not be appealed or re-decided. 

Please help.

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 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax support tells me they do not support multi-factor authentication for their site myequifax.com which is a huge security risk for my personal and credit information, and puts me at high risk for fraud and identify theft. How is it possible that our government allows Equifax to operate with such weak security? Just about every online service in the world has XXXX. This is outrageous!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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:
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 non-monetary relief
Consumer complaint received 2024-08-24 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: MI

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Taproot Financial, LLC
State: WA

Complaint narrative:
I applied for a loan with XXXXXXXX XXXX XXXX and they were requesting some documents I did not have at hand, so I could not possibly provide that to them before the closing date. 

On XX/XX/XXXX, the XXXX XXXX, XXXX XXXX told me that they were withdrawing my loan and would send me a denial letter on the same day. 

However, more than one week has passed, and they became not responsive to any of XXXX emails or text messages and phone calls. They have not issued a denial letter, but instead still sent out some " loan disclosure '' with the wrong information on the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: GA

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. 

Account Name : 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 XXXXXXXX and list of Inquiries. 

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