vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings
State: CO

Complaint narrative:
I filed a complaint against IQ data international for violating the FCRA and the FDCPA they have not provided me with any notices and have not given a copy if the original contract. They said partially on reaponse " In XXXX of 2022 we received a new address for the consumer and a new initial notice was mailed to the consumer at the address provided with this complaint, which was not mail returned and was deemed received. Prior to our receipt of this complaint, our office reached out to our client in response to a dispute from the consumer. Our client provided a signed leased, move out statement, and full ledger to confirm the balance on file as accurate. '' I provided no signed move out statement this is a lie. I never received any notice at all. However the law provides a consumer can opt out of their information being shared at any time. I am also supposed to get a notice every 30 days before they report. I have not been given that opportunity. They also cite a statement that says they MAY report unpaid balances to collection agencies but that is with the consent of the consumer I give no such consent. I am instructing them to stop reporting negative information to my consumer report in order to coerce me into paying a disputed account this is again against the law. These are clear violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity Bank has and still has a system breakdown where myself and hundreds if not thousands of consumers can not access their accounts to pay or use their credit cards. 
Comenity Bank will not take responsibility for this and now has passed off to collection agency after ruining my credit. I am part of a class action law suit and am waiting for settlement as per my lawyer. I, along with hundreds if not thousands are suing Comenity Bank for ruining our credit. Comenity Bank 's irresponsible actions have caused me to lose the ability to lease space to teach my classes and have impacted my ability to earn income as well as renting and purchasing a home by decreasing my credit score from good to fair to poor all their fault. I will counter sue Comenuty and credit collection for this. I have months of proof with broken links sent by Comenity bank and proof that I could not access my account and associates who could not access or find my account. I have a stellar payment history with all my credit and Commenty up until XXXX when their system was compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
This bank has been a problem from day one for me and ultimately I am intending to go somewhere else, but I am into this at this point and I need to get some things straightened out. I wanted to move an ira I have to this bank. They took multiple calls and about a month and a half just to get me the forms so I could fund this ira, admitting mistakes in that procedure. I got that sent in and by a week I got an email that they were going to close the account if it wasnt funded. I then tried to call and find out if they got the forms and what was going on. I have tried multiple, multiple times and either the time waits are too long or they transfer me and I get cut off or it has a long wait with myself not knowing how long that will be. At some point I have to move on. I also finally sent an email to ask for a call. They are not doing much in that area or are calling when I am not available. In fact I had to do one of these calls to the fedreserve complaint sytem and that is when they called so I missed that. WTH. Are they surveilling me so they can call when I cant answer? Also recently their system has started making it hard for me to access my account online. Now today I even get a message they need a phone number to text codes to me. I have no number for texting. They are causing me more and more problems. I want them put out of business as they obviously can not run any banking business properly. And like another bank I complained about with their ineptitude and problems they caused me I expect this bank to attack 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 2022-11-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
For a year I have been using the Wellsfargo drive thru located on XXXX XXXX XXXX XXXX XXXX Az XXXX on XX/XX/2022 at XXXXXXXX XXXX I was serviced or lack of serviced by a woman named XXXX. She immediately returned my deposit through the deposit tube and said merchants are not supposed to use the drive thru anymore and need to get off to make deposits. She was rude and off putting, there was no other vehicle next or before me, and this was the first time I had ever heard of that. I did not receive a warning beforehand and I had to drive to the next Wells Fargo Bank XXXX miles away to be able to make my deposit. I have never had an issue making business deposits from XXXX XXXX XXXX by in the drive thru. I would like a follow up call on this new procedure or if it is one. My name is XXXX XXXX XXXX. Thank you.

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 2022-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX Mr. Cooper claimed to have received the only RESPA Notice of Error I have sent them in XXXX dated XX/XX/XXXX. See attached. Nationstar accepted an over charged amount for late fees of {$2800.00} and internally allocated {$11000.00} indicating an inaccurate XXXX late fee payments were made. Nationstar mailed me XXXX false outbound account reports concealing this fact in lines XXXX. XX/XX/XXXX the company 's counsel sent me by email an internal account history claiming XXXX inaccurate allocations of {$2700.00} and XXXX of {$110.00} and I verbally disputed this and XX/XX/XXXX Nationstar again sent their counsel a false claim of these lines being updated in a letter through the mail dated XX/XX/XXXX. I used this statement to rely on to govern myself through court pleadings and XXXX invalid agreements with Mr. Cooper. 
XXXX through XXXX of XXXX I requested a copy of the account history and received XXXX XX/XX/XXXX and XX/XX/XXXX that disclosed fraudulent concealment of the inaccurate late fee payment allocation that negatively impacts my ability to apply for residential lending. XX/XX/XXXX I noticed Nationstar. They unlawfully acknowledged my clear claims XX/XX/XXXX stating falsely they received the RESPA notice XX/XX/XXXX. 
Mr. Cooper as of XX/XX/XXXX has ultimately failed to claim no error exists, failed to respond within the 30 days of the XX/XX/XXXX notice or within 30 days of their claim of receipt of the valid RESPA Notice of ERror in payment allocation, leaving unearned never performed lender fees of {$2000.00} sitting in a still currently open suspense account and leaving {$11000.00} allocated toward deferred and current late fee payment when Mr. Cooper accepted an over charge without refund of {$2800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
I asked the credit bureaus to do an in depth investigation of my credit report. I never received a response for this request. I only received two letters from TransUnion applauding me for taking charge of my credit. Ive attempted disputing formally and via electronically but my report did not change after each attempt. I was giving this option after representative from XXXX saw I was not getting anyway after several attempts. I still found several inaccuracies after each fail attempt. 

XXXX : Account number : XXXX, you did not remove the past due from this account and therefore, it must be removed. 

XXXX : Account number : XXXX, you did not remove the late payments XXXX : Account number XXXX Last activity inaccurate XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX not reported XXXX XXXX : Account number : XXXX, missing notice of dispute. Reporting after account was closed XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX delete due to inaccuracy XXXX XXXX : Account number : XXXX, this account Last activity date XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX please delete due to inaccuracies. 

XXXX XXXX : Account number : XXXX, activity dates XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD : Account number : XXXX, last XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : Account number : XXXX, remove for inaccuracy - years of payment history reported after account was closed and the date of last activity changed without any activity occurring - XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX XX/XX/XXXX. 

XXXX : Account number : XXXX, remove for inaccuracy XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : Account number : XXXX, remove this for inaccuracy because the date of last payment is reported differently on all XXXX bureaus : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

XXXX XXXX XXXX : Account number : XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX Account number XXXX Discrepancy an account status XXXX status Open XXXX Closed last XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Not reported to all credit bureaus only XXXX In accordance with the Fair Credit Reporting act XXXXt Acct # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX has violated my rights XXXX 
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.

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 2022-11-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Student Assist Plus LLC
State: OH

Complaint narrative:
This company ; Studen Assist Plus contacted me when I finished with my online schooling in 2015. They asked me about being able to pay my loan and told me they was a student forgiveness program. I would pay them {$29.00} a month and as long as I'm enrolled it will take care of my student loan. I asked the company where is the {$29.00} going to and they told me it was their fee, I also asked what happens to my loan when I am finished with this program and was not given an answer. I really didn't think too much about it until I spoke with a representative from XXXX since they now have my loan after the last company no longer has it. Also the whole time that repayments have been on hold because of covid I have paid Student Assist Plus the {$29.00} a month, so again where was the money going to and why was I paying this when there was a freeze?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
collection accounts- In your letter, say its illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. I never received a 1099-1. Remove this information from my consumer reports immediately. 
XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$290.00} Late Payment 15 U.S.C 6802 Gramm-Leach-Bliley 15 USC 6802 ( a ) ( a ) Notice requirements Except as otherwise provided in this subchapter , a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

-a court and a credit bureau are nonaffiliated third party institution.

Non personal information means personally identifiable financial information ( address, name, phone number, social security number, credit report information, late payments, student loans, bankruptcy, etc ) 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 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: VA

Complaint narrative:
Unauthorized charges Chime Ba k Account on XXXXXXXX XXXX XXXXXXXX XXXX. 
I have call and spoke with XXXX on the Unauthorized Charges several in response they told me hey would look into them and that is all that has happened. 
the following are the Unauthorized Charges with dates : XXXX XXXX, XXXX {$140.00} XXXX  Unauthorized Charge XXXX XXXX, XXXX {$440.00XXXX XXXX Unauthorized Charge XXXX XXXX, XXXX {$300.00} XXXXXXXX Unauthorized Charge XXXX XXXX, XXXX {$420.0XXXX XXXX Unauthorized Charge XXXXXXXX XXXX XXXX {$420.00} XXXX Unauthorized Charge XXXXXXXX XXXX XXXX {$140.00} XXXX Unauthorized Charge XXXX XXXX, XXXX {$100.00} XXXX Unauthorized Charge XXXX XXXX, XXXX {$100.00} XXXX Unauthorized Charge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
My car insurance company has a non-moving violation showing on my daughter 's driving record report, and she has never had any violations. I also confirmed this at the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: MN

Complaint narrative:
I have contacted XXXX several times and provided all documentation to prove that I have not been with them. They transferred it to Jefferson capital who I went through the same thing provided all information and they said they will remove it but accounting to credit bureaus they have never received request from Jefferson capital

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
In XXXX I received a summons from merchants credit associates with 20 days to respond to XXXXXXXX XXXX XXXX before I could respond. They reported it to all of the credit bureaus and had three of my credit cards closed on me upon contacting the hospital and contesting the debt it was discovered that I was paying these things and they should not have gone to collections our direct contact was with XXXX XXXX at XXXX. And once we got the debt resolved, we asked both the XXXX and XXXX for a letter that I could send to XXXXXXXX XXXX credit card services, and to the credit bureaus, stating that this was a mistake. I have not received contact or any communication from either party ever since this was resolved on the debt collection end. However, my credit cards are still closed and the bank associated will not help me without evidence that this adverse action on my credit was in fact a mistake. I opened a complaint already with XXXX and they refuse to reinstate my credit cards without some sort of evidence that this is incorrect and I cant get merchant credit associates or XXXX XXXX to contact me back. I am incredibly disgusted by this practice you have completely put a wrecking ball through my credit, when inflation is at an all-time high, and people are already penny-pinching, and you put me in a position where I now owe an entirely separate debt plus interest upfront with a company that I was also paying consistently. Its like you guys caused me all of this grief and intend to just let me sit with it. I urge you to remember that I have been in contact with a lawyer, and if something is not done soon, I will be taking legal action.

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 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a Natural Person, I am a living Human Being, I have rights under 15 USC 1681 In accordance with the Fair Credit Reporting act. The List of incorrect addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: DC

Complaint narrative:
Issue XXXX : I am awaiting a refund i requested on XXXX XXXX from MOHELA for all student loan payments made since XX/XX/XXXX. That is 77 days ago as of today to give me back about XXXX in payments, which is unacceptable. 

Issue XXXX : I have been in federal service since XXXX and have 138 qualifying payments under PSLF, verified by XXXX, my prior servicer, in early XXXX, yet I am STILL awaiting final review for the limited waiver to add 19 more payments to my total. And of course Im still awaiting forgiveness of my loans. 

My loans should never have been transferred to MOHELA yet here we are. They were transferred in early XXXX despite XXXX telling me i had made more payments than needed for loan forgiveness and i should have been processed by the dept of ed for forgiveness. 

Now i sit and wait. Every time i call MOHELA it takes at least two hours to talk to a human about my status. Once i get that far theyre completely lacking in actual information about what is going on. That usually leads them to transfer me to a supervisor to wait for hours more on hold without ever getting someone who knows what is going on or that can help me. The fact that they continue to get paid by the federal govt to service loans that should have been forgiven in XXXX is unbelievable and a waste of taxpayer dollars. Properly staff the call center if you anticipate high call volumes. Be competent. This is XXXX, get it together. 

After 4 hours on the phone with MOHELA two weeks ago they finally informed me my loans were sent direct to discharge by them to dept of ed. as of XXXX XXXX. Can i even trust that this has happened? All i have is a verbal from them, no actual correspondence. How is this acceptable? 

When will i get my covid refund? When will the limited waiver be applied to add 19 more payments to my total? When will my loans be forgiven? When will i get my second refund for the 19 extra payments i made per the limited waiver rules? 

These folks owe myself and others competent and timely assistance. Im not seeing it so far.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation