vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
on XX/XX/XXXX i rec 'd a letter addressed to me... letter was dated XX/XX/XXXX for a service at XXXX XXXX from two years ago for my daughter from a company called Radius Global Solutions asking me for money. 
the phone number on the letter is a non-working number XXXX the reviews on this company are very recent and imply that this company is fraudulent and these are scams. 
a little over a year ago XXXX XXXX was compromised and patient info accessed. 
apparently date of service was either XX/XX/XXXX or XX/XX/XXXX for {$220.00}. we have never rec 'd an invoice for this service and i contacted XXXX 's billing dept on XX/XX/XXXX to pay any unpaid balance if one existed and i was denied the ability to pay due to HIPAA laws since my daughter is not a minor and was not XXXX yrs ago. XXXX in the billing department kept repeating " i see what happened and i am updating the account. '' Again, they could not discuss anything with me even any oversights on their part for failure to furnish an invoice for services to my daughter. 
i emailed this company at XXXX to inform them that i am disputing this collection because it does not belong to me and we were never made aware from XXXX there were charges due. i also informed them that if in fact there is a balance due that we will handle it directly with XXXX and they are not to ever contact me regarding this issue as this is not my debt and my daughter has never been notified properly in the last XXXX yrs since the day of service. 
i have not rec 'd a response from them.

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 2024-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
My student loan payments are due on the XXXX of every month and since I am paid semi monthly, I typically pay my student loans on the XXXX. It is usually an easy process, I login into

Mohelas website and process the payment. For the past 3 months, I have received a letter in the mail stating I missed a payment but thankfully I have the email confirmations and the payment posted on my bank account to confirm this is not true. On the letter it states to call if I have any questions but I do not do so because it is impossible to reach anyone on the customer service line. The reason for my complaint is because this month Mohela began to transition to a service platform and completely disabled the only way to make a payment. I received no communication from mohela about how to make a payment during this time. So you can imagine my surprise when I logged into the portal
on XX/XX/XXXX ready to make a payment, and the website offers no information except for youll receive an email when the new platform is ready. I began calling on XX/XX/XXXX and XX/XX/XXXX before my payment was due to discuss what would be my options to make a payment. It takes nearly 5 minutes to get through the service menu and then stated my wait time would be 15 minutes. Around minute 6 the music stops and the call goes silent with no option to return back to the menu. I continued to call on XX/XX/XXXX with the same luck. I am now being told that the only way to make a payment is to mail a check. In this day and age, USPS is unreliable and with many American already struggling to make student loan payments, our only option is to hope and pray our check gets there? Additionally, there was no communication about this beforehand meaning I will not suffer the consequences of making a late payment when I have done everything in my power to make sure I stay on track. This is completely unfair and wrong!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: FL

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

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 2024-05-20 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: TX

Complaint narrative:
You are in violation of the FCRA for continuing to report late payments on the account XXXX XXXX when the creditor submitted a manual update in XX/XX/2024. The creditor responded to CFPB complaint XXXX stating that the account qualified for a credit adjustment and that the credit agencies would be notified and to expect the update within 30-45 days. It has been well over 4 months and this account remains. Please see the attached response from the company and remove this account within 7 days.

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 2024-05-20 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: TX

Complaint narrative:
You are in violation of the FCRA for continuing to report late payments on the account XXXX XXXX when the creditor submitted a manual update in XX/XX/2024. The creditor responded to CFPB complaint XXXX stating that the account qualified for a credit adjustment and that the credit agencies would be notified and to expect the update within 30-45 days. It has been well over 4 months and this account remains. Please see the attached response from the company and remove this account within 7 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED : # XXXX, has violated my rights. 


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 2024-05-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
A collections charge popped up on my credit report. 
It is completely fraud from a third-party collections service [ AMSHER COLLECTION SERVICES ]. I have no knowledge of this unrecognizable charge and I am requesting it to be removed from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The XXXX XXXX XXXX XXXX  in XXXX, IL charged me for XXXX or XXXX nights when I only stayed XXXX night ( Monday night ). I provided proof that I stayed the rest of the week at the XXXX XXXX XXXX  for a variety of reasons ; the main reason was the rude and crude way I was treated by the night clerk when I checked in, and the manager the next morning when I tried to check out...

They claim I booked through a 3rd party ( XXXX ) which was NOT true. I booked through XXXX XXXX XXXX web site... 
I have disputed charge XXXX in less than the 60 day limit but Capital One refuses to dismiss the charge for XXXX or XXXX nights!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: NY

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: MO

Complaint narrative:
I tried to use card at a XXXX ATM was told I had to appear in person at money services to prove I was the card holder, I did that and was able to withdraw {$200.00} once I did that my card wouldn't work anywhere. They first claimed were I tried to use it was high fraud risk, then they said it was a bad chip although they also declined purchases when I tried to swipe, the promised to send a new card I would receive in 7 days it's been over XXXX weeks and nothing has arrive they are witholding my XXXX payments. They also declined manual processing with my landlord and storage XXXX and claim they aren't responsible for my losses although the terms of service online says they claim full responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: NY

Complaint narrative:
I am writing to follow up on my previous communications regarding the unverified negative accounts on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of these items.

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 2024-05-20 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-20 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-20 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: FL

Complaint narrative:
Complaint Regarding Violation of My Consumer Rights Under 15 USC 1681 I am writing to formally raise a complaint regarding the violation of my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( 15 USC 1681 ). The following accounts on my Equifax credit report have breached these rights : XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX XXXX ( CLOSED ) # XXXX XXXX XXXX ( CLOSED ) # XXXX XXXX  ( CLOSED ) # XXXX XXXX ( CLOSED ) # XXXX XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX XXXX XXXX # XXXX DEPT OF ED/XXXX # XXXX XXXX XXXX XXXX XXXX ( CLOSED ) # XXXX XXXX XXXX XXXX ( CLOSED ) # XXXX XXXX XXXX XXXX XXXX  ( CLOSED ) # XXXX Upon reviewing my Equifax credit report on XX/XX/year>, I identified several inaccuracies and incomplete information. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information reported ( 15 USC 1681e ( b ) ).

Additionally, as outlined in 15 USC 1681i ( a ) ( 5 ), the FCRA mandates that if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency must : Promptly delete or modify the item of information as appropriate based on the results of the reinvestigation.

Promptly notify the furnisher of the information that the information has been modified or deleted.

Furthermore, 15 USC 1681s-2 prohibits any person from furnishing information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Given the discrepancies noted in my credit report and the obligations outlined by the FCRA, I request the following actions : A reinvestigation of the inaccurate or incomplete information listed in the aforementioned accounts.

Prompt deletion or correction of any verified inaccuracies or incomplete data.

Notification to all furnishers of the modified or deleted information, as required by law.

Please acknowledge receipt of this complaint and inform me of the actions that will be taken to address these issues within the timeframe prescribed by the FCRA.

Thank you for your prompt attention to this matter. I look forward to your timely response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

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 2024-05-20 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: Nelnet, Inc.
State: DE

Complaint narrative:
Statements from XX/XX/XXXX through XX/XX/XXXX provided in attachments. I have 13 loans with Nelnet, 4 with issues. Each loan is labeled AA through AM. For cross-referencing, in parenthesis I will list the group name. 

Timeline of events : ->XXXX XXXX My 13 federal student loans were sold from Great Lakes to Nelnet. All 13 loans had been in repayment with me making monthly payments since graduating in XX/XX/XXXX. 
->XXXX  XXXX Repayments with Nelnet began , auto debit for exact amount due was set up. 
->XXXX  XXXX I increased my monthly payment to an even {$300.00}. This was done using the Nelnet website, the option to apply the excess payment by percentage was chosen. I chose three ( AB, AC, and AD ) loans with highest interest to apply excess amount to. During this new payment application, the option " DO NOT ADVANCE DUE DATE '' was selected. 
->XXXX  XXXX- Monthly payment due for the 3 loans mentioned above is {$0.00}. Next payment due date XX/XX/XXXX for loans AB and AC, XX/XX/XXXX for loan AD. Interest continues to accrue. 
->XXXX  & XXXX XXXX- Pattern continues for 3 mentioned loans. Began contacting Nelnet Customer Service to inquire what is happening to the 3 loans in question. Answer given each time is there is outstanding interest, no principal payment can be collected. Website states no payment is due and next payment due date for each continues to be pushed out to future dates. 
->XXXX  XXXX- Interest from all 3 loans has continued to build since payments stopped in XXXX. All 3 loans collect payment on interest. 83.42 % of XXXX monthly payment was applied to interest, compared to an average of 49.4 % the last three months. Next payment due date continues to project future dates, one ( AD ) of the 3 loans projects next due date four months away from current due date. ADDITIONALLY, in XXXX, a fourth loan ( Loan AG ) has payment due reduced to XXXX and next payment due date is changed to XX/XX/XXXX. 
->XXXX  XXXX All issues persist. Monthly payment was taken for 1 of original 3 loans although website still states no payment due. 

Comments : As it currently stands, XX/XX/XXXX loans remain unaffected. The original 3 loans which presented issues are showing next payment due in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and the fourth  which began having issues in XXXX still states next payment due XXXX. I have called and emailed, each time receiving the same standard answer that outstanding interest must be paid prior to paying off principal. My issue remains unresolved : What changed that made these four loans payment due dates shift?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: GA

Complaint narrative:
There has been a reporting error on my credit report. Experian has removed positive accounts from my credit report. Under the Fair Credit Reporting Act 15 U.S.C 1681 Section 604a Section 2, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I am providing written instructions to furnish these items on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX Card XXXX - Date Opened XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
My mortgage escrow payment is {$400.00} per month, totaling {$4800.00} per year. This escrow account in non-interest bearing. 

My taxes are {$100.00} twice a year.. Property taxes will increase in the future, date and amount undetermined at this time. My property insurance is {$550.00} annually. This amounts to {$770.00} per year. 

I am overpaying into escrow {$4000.00} per year. I have requested the mortgage lender to remediate this amount, as of my call today ( XX/XX/2024 ) they are unwilling to. 

This excessive escrow payment prohibits me from using these funds or to recognize a reasonable interest rate of return. 

The Mortgage Lender is Lakeview, XXXX XXXX  XXXX, XXXX  XXXX, VA, 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