vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 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: NV

Complaint narrative:
I first became aware that my payments were not being applied to my account correctly when I received an email in XXXX stating my account was past due. I had seen that my autopay was taken out of my checking account so hadnt looked at my Mohela account. I called on XX/XX/XXXX and they opened an investigation into why my payments were not being applied. When I check my Mohela account a week or so later it had been updated and my account was made current. Then XXXX came along my checking account was deducted and again it was not applied I called again several times trying to speak to a representative starting on XX/XX/XXXX but was not able to speak with someone until XX/XX/XXXX. They again were not sure why it was not being applied and said they would put my account in forbearance while they looked into it. A week or so later my account was again current and my payment was posted. Then again in XXXX the same thing happens and I am not in forbearance. I called on XX/XX/XXXX. They said the investigation is still open and my payment is going into a suspense account and they dont know why but that my payment should clear in 5 to 7 business days. It is now XX/XX/XXXX and my account is still showing past due. I also received a notice on XXXX XXXX that there has been a change in my student loans and the balance has increase and there has been a note added which it says could be due to past due payments. This is unacceptable because I have made all my payments on time and it is their error. They have had months to fix this and they have not. It takes hours to get in contact with anyone and when you work during the day it is incredibly difficult to get in touch with out having to take time off. I should not have to call continuously for them to fix an error and they should not be taking money out of my checking account if they can not apply it correctly to my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
I hereby understand my privacy and rights is being violated by consumers. 

XXXX XXXX by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Target 's the devastating impact of medical debt on consumers, under this new law medical debt will no longer be included on consumers credit reports ensuring that people are not penalized for the high cost of necessary health care The medical debt relief act of 2023 also states this bill prohibits consumers reporting agencies from including medical debt on a consumer report in addition the consumer financial protection bureau must amen regulations to prohibit creditors from obtaining or using medical debt information when considering whether to extend credit to a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
Freedom mortgage received our insurance claim on XX/XX/year>. XXXX XXXX has since sent required documentation requested by our processor XXXX XXXX ( Freedom Mortgage ) and we have been calling them since XX/XX/year> trying to move forward with this process of getting our funds in order to repair our home.

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 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
The bank had a problem with one of my deposits, then froze my account and will not let me access any of my accounts or any of my funds and shut off my cards and my online banking for up to 3 to 5 business days even though this had nothing to do with me And I provided them all the documentation to prove it

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 2024-12-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: RI

Complaint narrative:
IC System Inc. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Re : Cease and Desist Demand Regarding All Forms of Communication and Reporting To Whom It May Concern, I am writing to formally demand that IC System Inc. immediately cease all forms of communication with me, including but not limited to phone calls, emails, letters, and any other means of contact. Additionally, I demand that you cease reporting any information regarding this debt to the consumer credit reporting agencies. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are required to cease all communication with me upon receipt of this letter, except to notify me that you are terminating further collection efforts, that you may invoke specific remedies which are ordinarily invoked by you or your organization, or that you intend to invoke a specified remedy. 
Furthermore, under the precedent established by the case of 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 XXXX XXXX XXXX XXXX, XXXX ), once a cease and desist request has been sent, the debt collector is obligated to cease reporting the debt to consumer credit reporting agencies. Continued reporting of this debt to the credit bureaus after a cease and desist request constitutes continued collection activity in violation of the FDCPA. 
Therefore, I demand the following : 1. Immediate cessation of all forms of communication with me.

2. Immediate removal of any information related to this debt from my consumer credit report.

Failure to comply with this demand will leave me no choice but to pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General 's office, as well as initiating a lawsuit for violations of the FDCPA and any other applicable laws. 
I expect confirmation in writing that you have received this letter and that you will comply with my demands. Please send your response to the email listed above within 10 days of receipt of this letter. 
Thank you for your immediate attention to this matter.

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 2024-12-20 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:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with Experian XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Subject : Dispute of Inaccuracies in Credit Report Dear TransUnion, I am writing to formally dispute several inaccuracies and misrepresentations on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and complete credit report. The inaccuracies on my report are in violation of the FCRA, specifically the requirements outlined in 15 U.S.C. 1681i, which mandates that credit reporting agencies investigate and correct any errors or incomplete information.

Upon reviewing my credit report, I have identified the following discrepancies : Address should only show XXXX, XXXX XXXX, NC, XXXX ; My telephone number should only be XXXX XXXX XXXXXXXX Employment Information : The report lists incorrect employment details. My current employment is PSGroup, and any other employment entries are inaccurate. 

Personal Information : There are inaccuracies in other areas of my report which I would like to have reviewed and corrected.

I request that you promptly investigate these issues, as required by 15 U.S.C. 1681i ( a ) ( 1 ), and correct the information within the time frame specified by the FCRA. If you are unable to verify the information in question, the FCRA mandates that you remove or correct it in accordance with 15 U.S.C. 1681e ( b ).

As stipulated in the FCRA, I am entitled to a copy of my updated credit report after these corrections are made. Additionally, if any information can not be verified, it must be removed or corrected, as per 15 U.S.C. 1681c.

I request written confirmation that you have received this letter and a prompt resolution of this matter. Should you require any further information to facilitate your investigation, please feel free to contact me at the phone number listed above.

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

Sincerely, 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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These hard inquiries are fraudulent and do not belong to me. 

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

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 2024-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed 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 non-monetary relief
Consumer complaint received 2024-12-20 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: OR

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed 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 2024-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Good afternoon, I recently enrolled in XXXX XXXX XXXX XXXX XXXXXXXX and received a notification from financial aid that some of the balances for XXXX Subsidized loans have exceeded the loan limit of {$23000.00}. I completed my XXXX XXXX  in XXXX, consolidated all of my Subsidized loans in XXXX. There is no way that an overpayment of subsidized funds is even possible at this time in XXXX. Since XXXX I have enrolled in other universities as a XXXX XXXX and have never gotten this error message. I have made a complaint with Federal Student Aid and made several phone calls over the past three days. This morning i opted out of the wait que and was told my call would be returned within an hour and still have not gotten a return phone call ( as of XXXX ). The error message was waived by XXXX in XX/XX/XXXX and the reapplied. They are requesting a document to confirm that the overpayment has been taken care. My issue is that there was never an overpayment. The wrong information is listed on Federal Student Aid website. How could I have exceeded loan limits when all of these were consolidated in XXXX? I have taken XXXXXXXX XXXX XXXX since XXXX  XXXX in XXXX and have never gotten this message before. Where did this overage come from? To date, no one has been able to answer my questions or to solve this matter in a satisfactory way. This issue is a huge inconvenience, a detriment to my educational progress and has caused me great harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

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 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Ive been a victim of IDENTITY THEFT, my Identity has been compromised, in the event several accounts were opened in my name ruining my credibility as a consumer and damaging my reputation. 
XXXX  account opened using my information with out my knowledge nor consent with company XXXX the account has been sold to collection agency by the name of AMSHER COLLECTION SERV Original creditor XXXX Date opened XX/XX/2024 Account # XXXX Balance {$2900.00} This account is in result of identity theft and I have no recollection whatsoever of this loan This account is FRAUD AND DOES NOT BELONG TO ME

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I requested a pension distribution to transfer funds to a different institution ( XXXX ). It was sent to me as a check for {$6900.00}. I mailed this check to XXXX but it was intercepted in the mail and opened by some 3rd party, who I don't know, and cashed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX called me from XXXX ( XXXX ) XXXX to let me know that the check was fraudulently cashed and that I needed to call Chase and ask for them to reissue it. I called Chase HR department on XX/XX/XXXX and the pension XXXX, XXXX XXXX ( phone # XXXX ( XXXX ) XXXX ), confirmed that someone had stolen the check, and sent me a picture of the check ( attached ). XXXX then asked me to file a claim with the fraud department via fax, which I have done ( attached ). I have called the claims department number given on the front of the form ( XXXX ) to verify the status of my claim, but they were unable to verify that my claim had gone through. Please help me follow up with Chase and get my check reissued.

Company response to consumer: Closed with explanation