vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to dispute the accuracy of the information on my credit report maintained by your credit reporting agency, as permitted by 15 U.S.C. 1681b and 15 U.S.C. 1681c-2. Specifically, I am contesting the inclusion of XXXX accounts, which I believe have been reported without a permissible purpose as required by federal law. 

Original Creditor : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX. 
Account XXXX : XXXX I would like to emphasize that my dispute is not with the creditors themselves but with your credit reporting agency. I never provided written consent for your agency to report on my consumer report. This omission of consent raises serious concerns, as it could potentially lead to identity theft, a matter I have already reported to the Federal Trade Commission ( FTC ). My reference number for the FTC report is XXXX. 

In light of the above, I kindly request that you take immediate action to investigate the inclusion of these accounts on my credit report. I trust that you will conduct a thorough review of your records and verify whether a permissible purpose exists for reporting these accounts. If you are unable to demonstrate that such a permissible purpose exists, I insist that you promptly remove these accounts from my credit report, as required by law. 

I would also like to remind you of the time frame stipulated by XXXX XXXX. XXXX, which mandates the timely removal of any information reported without a permissible purpose. I expect that these accounts will be removed within the statutory time frame, and I insist on the accuracy and fairness of my credit report in accordance with federal law. 

Please provide me with written confirmation of the actions taken to investigate and rectify this matter. A copy of my updated credit report reflecting the removal of these accounts would be greatly appreciated. 

I am prepared to take further legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) if this matter is not resolved promptly and in accordance with the law. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution.

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 2023-10-31 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:
To Whom It XXXX Concern, I am writing to dispute the accuracy of the information on my credit report maintained by your credit reporting agency, as permitted by 15 U.S.C. 1681b and 15 U.S.C. 1681c-2. Specifically, I am contesting the inclusion of two accounts, which I believe have been reported without a permissible purpose as required by federal law. 

Original Creditor : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX. 
Account XXXX : XXXX I would like to emphasize that my dispute is not with the creditors themselves but with your credit reporting agency. I never provided written consent for your agency to report on my consumer report. This omission of consent raises serious concerns, as it could potentially lead to identity theft, a matter I have already reported to the Federal Trade Commission ( FTC ). My reference number for the FTC report is XXXX. 

In light of the above, I kindly request that you take immediate action to investigate the inclusion of these accounts on my credit report. I trust that you will conduct a thorough review of your records and verify whether a permissible purpose exists for reporting these accounts. If you are unable to demonstrate that such a permissible purpose exists, I insist that you promptly remove these accounts from my credit report, as required by law. 

I would also like to remind you of the time frame stipulated by 15 U.S.C. 1681c-2, which mandates the timely removal of any information reported without a permissible purpose. I expect that these accounts will be removed within the statutory time frame, and I insist on the accuracy and fairness of my credit report in accordance with federal law. 

Please provide me with written confirmation of the actions taken to investigate and rectify this matter. A copy of my updated credit report reflecting the removal of these accounts would be greatly appreciated. 

I am prepared to take further legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) if this matter is not resolved promptly and in accordance with the law. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: OR

Complaint narrative:
My account has been passed to for several months. I have tried effortlessly to submit an application to Nelnet from once now they have my application on file and my tax forms for over a month and they have not started the application. I have tried to call them several times And I can never get a hold of anybody today on XX/XX/2023. I attempted to call again I sat on hold for over two hours and nobody ever pick up the phone. The guarantor has called me and told me if I do not get my account Current, they are going to record the account and place it into default, I told them my issues with the service are no net net and asked if they could please contact the service her buyers to start the application. They said they have no way to contact the servicer and that I needed to continue to keep calling them are stressed that I have been calling them and they do not pick up the phone. This is a complete failure by the guarantor and the servicer, and I am the victim because my credit reports have taken a massive hit due to the complete failure to respond to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: First Consumers Financial LLC
State: LA

Complaint narrative:
They never gave a copy of the agreement and there were fees Added that were not discussed

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: AZ

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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

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 2023-10-31 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: NY

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. 

a. Account Name : XXXX XXXX Account # XXXX b. Account Name : XXXX XXXX Account # XXXX a. Account Name : XXXX XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account Name : XXXX  XXXX XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX XXXX Account # XXXX XXXX Account Name : XXXXXXXX XXXX Account # XXXX This above referenced accounts are in violation of Fair Credit Reporting Act supported by the following : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
On XX/XX/2023 I went into a fuel station and proceeded to withdrawal some money out of the ATM. After putting in my pin and the amount I needed to be disbursed which was {$60.00} with a ATM fee of {$2.00}, the machine gave an error message and did not disperse any money. However, my bank account was still charged for the funds. I have filed a claim with my bank, and sent the receipt stating no money was ever giving. It has been almost a whole month an no resolution. I just want my money back because it is rightfully mine. The bank is refusing to give me my money after they have all of the proof. This bank, Bank of America has been going down hill for years. No managers have returned any messages that have been left. I am highly upset and disappointed. I just want MY MONEY!

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 monetary relief
Consumer complaint received 2023-10-31 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: TX

Complaint narrative:
On XX/XX/2023 I ordered a copy of my credit report and discovered that there were items listed in my consumer report that aren't allowed by law and need them removed immediately. According to the FCRA the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The rules of construction exclude any report containing information solely as to transactions or experiences between the consumer and the person making the report. Therefore, late payments shouldnt be included in the report as stated in sub section 603 ( b ) ( 3 ). I need these transactions removed from my consumer report because I never provided written permission for the consumer report to be furnished in the first place and under the FCRA subsection 604 ( permissible purposes of consumer reports ) ( a ) ( 2 ) my rights have been violated.

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 2023-10-31 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: TX

Complaint narrative:
On XX/XX/2023 I ordered a copy of my credit report and discovered that there were items listed in my consumer report that aren't allowed by law and need them removed immediately. According to the FCRA the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The rules of construction exclude any report containing information solely as to transactions or experiences between the consumer and the person making the report. Therefore, late payments shouldnt be included in the report as stated in sub section 603 ( b ) ( 3 ). I need these transactions removed from my consumer report because I never provided written permission for the consumer report to be furnished in the first place and under the FCRA subsection 604 ( permissible purposes of consumer reports ) ( a ) ( 2 ) my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: U.S. BANCORP
State: DC

Complaint narrative:
In early XX/XX/2023, we request PMI cancellation from US Bank and during the initial stages, it was explained a property valuation would be conducted via a Brokers Price Option ( BPO ) and the process would commence once a written request, along with the property valuation fee, was collected. The US Bank representative stated the process could take up to 120 days ; however, if approved, PMI payments would be retroactively refunded to the process initiation date ( mid XX/XX/2023 ). The valuation report was completed and dated XX/XX/2023. Initially, our PMI cancellation was rejected due to inadequate property valuation. I requested reconsideration and received the valuation report and instructions on how to request reconsideration. I determined the comparable properties ( Comps ) submitted by the BPO were inadequate and did not accurately reflect the square footage, as well as other significant features of our home. Additionally, the valuation included real estate listings and Comps, although the instructions provided by US Bank stated only Comps should be included. The submitted reconsideration was granted utilizing appropriate Comps, via a letter from US Bank dated XX/XX/2023. We subsequently received a refund check for {$1100.00} and six days later another check for {$450.00}. I inquired from US Bank regarding the amounts because in totality, both didn't equal the refundable amount due. The letter from US Bank dated XX/XX/2023, stated PMI was cancelled effective XX/XX/2023 and the {$1100.00} check reflected the PMI provider surplus amount and the {$450.00} was for a mortgage insurance disbursement from the escrow account. As confirmed in the aforementioned letter from US Bank, our PMI was cancelled on XX/XX/2023, although, we continued to have PMI disbursements collected from our 2023 XXXX, XXXX and XXXX mortgage payments, totaling {$1300.00}. I contend these payments are immediately due from US Bank.

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 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: CA

Complaint narrative:
It's unreasonable, given that I've consistently made payments on this account promptly without any delays. Kindly adjust my account to reflect the correct payment history.

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 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a settlement check for {$7000.00} and couldn't cash it because I didn't have a picture id at the time so my friend deposited in to his account with Chase and the bank put a restriction on his account because they needed to get in contact with me but their system will not allow them to call if the number doesn't come back registered in my name. After ten days the check cleared and they closed his account but we did t get any information on what happened to the check. I'm having some housing issues and need these funds to put a roof over my head and so I was counting on this check. My name is XXXX XXXX, the check number is XXXX, the control number is XXXX, the amount is {$7000.00}. I also have a copy of the cleared check emailed to me from the settlement advisors that the bank Chase sent to them. Please help me with this issue thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Aspen Yo LLC
State: CA

Complaint narrative:
Since my mortgage was transferred to Gregory Funding, I've had nothing but problems. I wasn't able to access their website, they said they would be resetting my password but I kept getting errors their system did not recognize my information. Then I would receive letters from them that they were trying to contact me but when I called they would refuse to help me. My statements weren't reflecting the correct payments I made. Most recently, my health has worsened, I moved my granddaughter in with me who is a XXXX XXXX. To help take care of things. We completed a Loss Mitigation application then I received a letter from XXXX XXXX of Gregory Funding that everything was received. Once again they have gone radio silent and will not help me or return my calls. Yesterday I received a collection letter from XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Stating that I owe {$150000.00} to XXXX XXXX XXXX XXXX, Mortgage Backed Securities, Series XXXX, by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with loan number XXXX. Now I am able to log into my Gregory Funding account online and it says I am in FORECLOSURE. I am very stressed out about this and feel as though they are trying to take away my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CA

Complaint narrative:
I've called MOHELA multiple times in XXXXXXXX XXXX XXXX XXXX XXXX  ) to get my recertification cancelled. I received an e-mail from US Dept of Education earlier in XXXX to re-certify to qualify for the SAVE program, which will offer the lowest payment amount for my students loans. However, I found out right after submitting my request that recertification is NOT required until XXXX and my monthly payment on the SAVE program will be significantly higher ( previous payment amount was around {$160.00} and with the SAVE program, it is almost 3x the amount ). I called and talked to a rep the very following week ( as recertification was completed on XX/XX/XXXX, Friday ), was told that they will cancel the recertification and I will be remained on my previous IDR plan. I called the next day ( XXXX ) again to get reconfirmation and they reassured me that the cancellation for recertification was on file and to call back in a couple of days. I repeated the process on XX/XX/XXXX and I was relayed the same information as they were still working on the cancellation. A week later, my account was updated with the SAVE program with a new payment amount of {$420.00}, which is almost 3x the previous amount. I immediately called again and inquired about what happened. MOHELA representative told me that the recertification is in process to be cancelled. It has been almost 2 months, I've been on hold for hours and hours on end with no success of getting a representative on the line. No change has been made and my account is still showing the SAVE program with the new amount that's due in XXXX. I just want to go back to my old IDR program and monthly amount until I have to re-certify next year ( XXXX ) with my updated tax information then. As MOHELA have told me they will do but failed to do so! PLEASE!!! I've sent messages to MOHELA as well and they reply back days later to call their number. I have TRIED to call and been on hold for hours and been hung up on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: FL

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediateLY

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 2023-10-31 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 a letter in the mail that my Business account and all my credit cards will be shut down. I know have to look for another bank and start a new account and get approved for credit cards. This will be a major issue as we have payment and going every day out of our account.

Company response to consumer: Closed with explanation