vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 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:
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 2023-10-02 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Data Mortgage Inc.
State: FL

Complaint narrative:
I am at the end of my rope with Essex Mortgage. As previously described in previous reports, I was in the middle of forbearance during the servicer switch. The new servicer has tried multiple times to change my loan terms without my written consent, and the reduced payment I have been making since XX/XX/XXXX has continued to be recognized as a partial payment. I never had a problem with that with the old servicer. My funds were applied correctly. On the phone, I have been told I owe {$1200.00} a month, not {$1200.00} a month, but I will not be paying this until I get this loan term in writing. They have told me over the phone I can pay the {$1200.00}, but they fail to follow through based on the statements I have been getting in the mail. I have been promised paperwork laying out these terms for months now, but I continue to receive a loan modification application -- which I do not need to fill out, since the company should have the proper documents from the old servicer. 

Additionally, Essex Mortgage has not been honoring my deferment terms set by the old servicer. They have been applying my payments to my past due balance -- which is not how my payments should be applied. Due to the fact that I have an FHA loan, I DO NOT owe the amount deferred during the months of XXXX XXXX to XX/XX/XXXX. My payments should continue being applied to my principal balance -- NOT my past due balance. Payments I have been making have been applied to XXXX XXXX, XXXX XXXX, etc., not the present time. I went under an FHA deferment plan ( verbally over the phone ) back in XXXX of XXXX with the old servicer, where the amount I owed went to the back of the loan at zero percent interest. The new servicer doesn't seem to understand this and continues to send me letters saying I owe the amount of $ XXXX XXXX XXXX XXXX I can not and will not pay this full amount due to the FHA terms. 

Essex Mortgage continues to push the legal threshold of what they should be doing as a mortgage servicer. I will continue to report them until someone looks into this properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
It was brought to my at attention XXXX  XXXX XXXX under section 1681s-3 has by law has not ask for my permission to share my utilization of credit to XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Direct Deposit made on XX/XX/2023 to closed account ending in XXXX that was closed over a year ago. I called numerous times about the issue and I keep intentionally getting transferred to another department that either just rings or they pick up, ask me a few questions, put me on hold and then the phone is hung up on their end. There was a mix up with payroll that didnt process to my newer usual account. I was initially told by my company I work for that is would reissue the payroll direct deposit when Chase returns the payment, typically within 10 days. Old account ending in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I signed up with XXXX ( Chase Bank ) through a referral offer from a business associate on XX/XX/23. The terms are of the offer are below. I met all of the requirements and I continue to get no response from XXXX when I inquired about the {$200.00} bonus. There phone number goes directly to voice mail suggest to contacting them through chat / email. It's been several weeks and I continue you to get no response. 

" To be eligible to receive the {$200.00} cashback, a user must successfully register to XXXX using the link above, and successfully complete their first payment of at least {$200.00} via XXXX XXXX, and such payment is not charged back or refunded. Eligible users will receive the cashback by bank deposit. XXXX reserves the right to end the promotion ahead of time or to make changes or additions to this promotion for any reason at any time. This promotion is available only to new users who have signed up to XXXX using the link above. XXXX reserves the right to withhold payment of rewards in case of fraud or abuse and subject to their Terms and Conditions. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
i have unnecessary charges ( fees on my account ) that make no sense also your phone lines are compromised i just heard an entire customers entire conversation with you remove my fees!

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 2023-10-02 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: CO

Complaint narrative:
I have received two emails in the last 2 days from XXXX XXXX XXXX XXXX  that read, " thanks for applying for a chase credit card! ". I did not do this. I noticed hard inquiries on my transunion and XXXX report and immediately called them for a freeze on my accounts. I am visiting XXXX XXXX  today to retrieve any information possible. I did not apply for a card with XXXX, I did not consent to my information being available for someone else to be doing so on my behalf or impersonating myself. I would like XXXX to remove these inquiries from my reports, as well as investigate and punish anyone who would make a living off of other folks hard work. 

Please advise, 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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have received two emails in the last 2 days from XXXX XXXX XXXX XXXX  that read, " thanks for applying for a chase credit card! ". I did not do this. I noticed hard inquiries on my XXXX  and equifax report and immediately called them for a freeze on my accounts. I am visiting XXXX XXXX  today to retrieve any information possible. I did not apply for a card with XXXX, I did not consent to my information being available for someone else to be doing so on my behalf or impersonating myself. I would like XXXX to remove these inquiries from my reports, as well as investigate and punish anyone who would make a living off of other folks hard work. 

Please advise, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: CO

Complaint narrative:
I have proof that I signed up for auto payments on XX/XX/2023 in preparation for the student loan repayments to begin XX/XX/2023. I log into my bank account and did not see the auto payment drafted, so I log into my Nelnet account and see that they have marked me as past due. However their website clearly states I am enrolled in auto payments, have been enrolled since XX/XX/. In attempts to speak to someone my call was randomly dropped multiple times, their wait time is 2+ hours and they are providing zero extra assistance. I am hesitant to process another payment and they overdraft my account. As of XXXXXXXX XXXX XXXXXX/XX/2023 I can not log into my account and process a payment if I wanted to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: MD

Complaint narrative:
I disputed all items on my credit report on XX/XX/ including credit inquiries. As of this date it has been over 30 days and I have not received a response from XXXX and Transunion. I asked that all accounts showing on my account be verified as correct and they have not responded as of this date.

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 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I tried reporting my credit card as stolen in the year of XXXX because of unauthorized charges that were located in my account. Also disputed with XXXX and nothing was resolved. 
On XX/XX/XXXX of XXXX I noticed that there was a fee of XXXX and there was no purchase made by me at the time, I paid it off on XX/XX/XXXX of XXXX. 
On XX/XX/XXXX and XX/XX/XXXX of XXXX there was an unrecognized charge on my account and I was charged a {$40.00} late fee in XXXX and XXXX. 
Then in XXXX of XXXX is when I noticed my card was lost and that made me realize that those were unauthorized charges located on my account. 
I dont remember the exact date or month but I did attempt to report my card as stolen on the Chase app but nothing happened and I also disputed with XXXX and nothing happened as well and I was steady getting charged late fees until my account was closed. 
Then in XXXX of XXXX it hit my account as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NY

Complaint narrative:
Formal Complaint Regarding Unethical Conduct by XXXX XXXX Resulting in Loss of Credits and Accumulation of Student Loan Debt Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX, pertaining to a distressing and unethical situation regarding my student loans and academic credits. The incident took place during my enrollment at XXXX XXXX, and the subsequent ramifications have left me in a highly unfavorable financial and academic predicament. 

I attended XXXX XXXX  and relied on student loans to finance my education. Regrettably, all the funds disbursed through these loans were utilized by the university, and when I transferred to a new institution, I was not granted the academic credits I deserved for the time I spent at XXXX XXXX. Despite completing coursework that should have amounted to 30 credits, I received zero credits from XXXX XXXX. 

This unethical conduct on the part of XXXX XXXX  has had far-reaching consequences on my academic progress and financial well-being. I am burdened with a significant amount of student loan debt, yet I have nothing to show for it in terms of academic credits or a meaningful education from the institution. 

I am seeking your assistance in addressing this issue and requesting a thorough investigation into the conduct of XXXX XXXX. I urge the Consumer Financial Protection Bureau to : Investigate the financial practices of XXXX XXXX  and the misappropriation of the student loan funds meant for educational expenses. 

Investigate the unjust denial of academic credits earned during my enrollment at XXXX XXXX. 

Advocate for appropriate compensation, credit transfer, or debt relief that aligns with the academic credits I rightfully earned. 

I have attached all relevant documents, including loan disbursement records, academic transcripts, and any communication with XXXX XXXX  that may assist in your investigation. 

I kindly request that you keep me informed of the progress of this investigation and the steps being taken to rectify this situation. Your prompt attention to this matter is greatly appreciated. 

Thank you for your assistance in resolving this distressing issue. 

Sincerely, XXXX 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 2023-10-02 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: NJ

Complaint narrative:
My federal student loan was transferred from Great Lakes to Nelnet for servicing in XXXX. My first repayment is due XX/XX/XXXX and I have been attempting to logon to submit my payment information since XX/XX/XXXX ( today is XX/XX/XXXX ). Nelnet has deleted the mobile app, requiring customers to utilize their mobile website which I have been unable to access since XX/XX/XXXX. I have switched to using my laptop to access the website and it is also not loading, stating volume is unprecedented and to try again later. I am unable to submit my payment information which could result in a late payment and additional interest and fees on my account, which I would not have incurred if I was able to make my payment when I originally logged on. Nelnet 's telephone customer service is receiving unprecedented call volume and I am unable to get through that way as well. I believe Nelnet is in violation of Regulation Z and UDAAP when it comes to servicing student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
collection bureau Hudson valley You have communicated with me a consumer in connection with the collection of a debt Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction in failed the requirements imposed pursuant to 15 usc 1692c ( a ) see exhibit ( A ), you are in violation of the FDCPA, pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) for actual damage emotional distress as a result of such failure and held liable to fines up to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
i have asked this back year to have my addresses removed from my credit report as they are no longer an address that the XXXX Mail can send anything to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i have asked this back year to have my addresses removed from my credit report as they are no longer an address that the XXXX Mail can send anything to me.

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 2023-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: IL

Complaint narrative:
Wakefield Collection # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX call numbers XXXX and XXXX. Per the provider, dates of service XX/XX/XXXX and XX/XX/XXXX. My dad died XX/XX/XXXX. I'm the executor. I received a collection notice from Wakefield Collection Company on XX/XX/XXXX. I called them on XX/XX/XXXX to get information on the medical provider with date of service, detail on charges and proof of insurance billed and paid as I needed this to pay the amounts as executor. They said I had to file a dispute with them to get the information. I did the same day and I proceeded to send XXXX emails, multiple disputes and phone calls. I received bill copies from them on XX/XX/XXXX ( with a letter from them dated XX/XX/XXXX ) and the amounts and insurance didn't make sense. I now had the medical provider information so I called them. Wakefield had the wrong date of service on their bill, they showed XX/XX/XXXX, and wrong dollar amounts. Provider is going to send me correct bills so I can review and pay, they said it will take 7 days from today XX/XX/XXXX. I notified Wakefield but I'm filing this complaint against them for harassment and improper billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UHG, LLC
State: GA

Complaint narrative:
i request information with my signature the original credit card company XXXX XXXX XXXX send me copy of the documents and the the signature do not match my signature the debt was sold to united holdings group i contact that company and no respond that company want me to pay that debt that do not belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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:
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 XXXX XXXX 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 response to consumer: Closed with non-monetary relief