vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
This is for a private student loan with XXXX which is serviced by MOHELA. 

I, XXXX XXXX, sent a validation of debt letter to the man, XXXX XXXX who acts as the CFO at MOHELA on XX/XX/XXXX and they recieved it on XX/XX/XXXX with a tracking number of XXXX certified mail. MOHELA failed to validate the debt with an affidavit in the 15 days I provided them. I then had sent a cease and desist letter on XX/XX/XXXX and MOHELA received it on XX/XX/XXXX with a tracking number of XXXX certified mail. MOHELA has since been mailing a bill due and has not provided a letter to validate the debt with an affidavit. MOHELA has since reported late payments to XXXX, XXXX, AND XXXX. I sent an affidavit of truth letter on XX/XX/XXXX and they received it on XX/XX/XXXX with a tracking number of XXXX certified mail. I provided them another 10 days to validate the debt via an affidavit. XXXX XXXX has not provided a " wet-ink '' signature and MOHELA will not be able to validate the debt as XXXX XXXX and XXXX XXXX XXXX not the same person. XXXX XXXX is a living soul man. Also this " debt '' has already been paid via the promissary note that I have requested to see per the XXXX of XXXX XXXX in which MOHELA has not provided. Please be advised that the man, XXXX XXXX, has never gotten back to me. Please also be advised MOHELA is a corporation which is a " dead entity '' and can not communicate or claim a debt against a living man. Today is XX/XX/XXXX and I am formally sending in a complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: MI

Complaint narrative:
I was on my way to the store sometime in 2022 at XXXX, with my son and spouse. Lo and behold, a vehicle ran into my car while turning at the wrong lane. The police showed up, the ambulance came. We never received any form of type of service from them. The ambulance staffs clearly stated to me that since there was no casualty there will be no charge of any kind. Eventually I got a bill at first I thought it was a scam I ignored it then got to realize that its at the collection. 

This is highly wrong. I need them to proof to me were I got any type of treatment or if my son and spouse got any type of treatment from them. I dont owe these elmwood ambulance department and I firmly believe they do this to so many people which is wrong. I wont pay for what I dont owe. The fellow who hit me doesnt even have insurance and was charged to court. This is literarily the only collection report on my account and its absolutely false. I do not owe these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc.
State: GA

Complaint narrative:
I went back and forth via email with Conns XXXX during the Hurricane to catch up an account that was approaching 30 days but I couldn't update the payment information because I couldn't get some banking things cleared up. Additionally, the item was damaged in the storm so I was trying to get insurance information that was on my account. Email customer service was no help and I couldn't get anyone on the phone. Nevertheless, I caught the account up. Almost a week later after that payment that brought everything current, my credit report now show a 30 day late payment. I do not believe this is fair given the circumstances and Conns bankruptcy has taken customer service offline so it's hard to get help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
SPS ( Select Portfolio Services ) purposely failed to report my good standing payment history in violation of non compliance of the Fair Credit Reporting Act ( FCRA ), 15 u.s.c | 1681 et seq. The only way I could obtain the accurate month of reporting of payment is by calling SPS by phone and making a verbal complaint - thus, they will report for that particular month only ; thereafter the proceeding month SPS will not report my payment history. Except if my account goes into default or late payment SPS will report on time the late payment ( XXXX ) or if account is in default accurately. Any and all 'good standing ' will not be reported uless I make an effort by phone call and make the demand. This violates ( FCRA ) Section 623, 601, 603,602, 616, 617, and 621 code ( s ) an any or more that applies. This matter has occur in the beginning of XXXX XXXX when SPS has taken control of my account; including the incident of non compliance to the credit bureau of XXXX XXXXup till today. This matter has been also brought to the attention to the DOB ( Division Of Bank ) on or about XXXX regarding SPS failure to comply with the FCRA violation .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
I paid {$5500.00} to my credit card bill my Apple Goldman Sachs credit card and they have taken the money from my bank but told me they will not apply it to the card for 10 days because I made such a large payment. I asked for a manager and they said a manager would call me back in 1-10 days. Meanwhile a reoccurring payment of {$10.00} is being de ied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: WA

Complaint narrative:
Mohela is refusing to apply my payment received by Mohela on XX/XX/year>. They are still showing my account as due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I would like to report the XXXX transactions made from XXXX XXXX XXXX Bank of America. 
XXXX transaction ( listed below ) is a wire initiated from Bank of America XXXX XXXX XXXX. 

It was cyber-scammed and have filed complaints with the FBI ( IC3 ), FTC, NCDOJ, Law Enforcement ( XXXX XXXX XXXX XXXX XXXXXXXX ), XXXX XXXX Agent, and respective banks where the wires are initiated. 

XXXX ). Transaction Date : XX/XX/year> From : XXXX XXXX ( Account : XXXX ) To : Bank Of America ( Routing : XXXX / Account : XXXX ) Beneficiay Account : XXXX XXXX XXXX Amount : {$25000.00} Wire Transaction Id : XXXX XXXX XXXXXXXX XXXX ). Transaction Date : XX/XX/year> From : XXXX XXXX ( Account : XXXX ) To : Bank Of America ( Routing : XXXX / Account : XXXX ) Beneficiary Account : XXXX XXXX XXXX Amount : {$25000.00} Wire Transaction Id : XXXX  # XXXX XXXX ). Transaction Date : XX/XX/year> From : Bank of America ( Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / Account : XXXX ) Beneficiary Account : XXXX XXXX XXXX XXXX : {$65000.00} Wire Transaction Id : 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 monetary relief
Consumer complaint received 2024-11-12 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: FL

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 2024-11-12 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to inform you that I am a victim of identity theft as a result of a recent data breach. This incident has led to the unauthorized opening of accounts in my name, as well as unauthorized credit inquiries. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following fraudulent accounts and inquiries from my credit report : Fraudulent Accounts : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have a Southwest Rewards Credit Card from Chase. I called Chase customer service on XX/XX/year>, since I hadn't been using promotional offers that came with Southwest Rewards, and I wanted to board early for a flight that day. The Chase customer service representative told me on the phone that I would be reimbursed for purchasing this on the Southwest app, because I have the Southwest Rewards Credit Card. Part of the reason I called first - was to make sure there wasn't a special process I needed to follow. I purchased early boarding on XX/XX/XXXX through the Southwest App. Now, Chase is saying that this isn't one of the promotions for the credit card I have, and they won't reimburse me for the {$90.00}. I already disputed the charge with Chase. They have sent me a letter dated XX/XX/year> that they consider the disputed charge valid. If I can't trust them when I speak with their representatives, then I want the card cancelled and my annual fees returned with no negative repercussions on my credit ratings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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:
I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Charging {$20.00} on purchase made with sufficient funds only to later charge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
First Complaint : Requests to freeze my credit have been submitted several times to Equifax Information Services LLC. In XXXX of this year, a freeze was requested with the date of XXXX XXXX XXXX  specified as the date to lift the temporary freeze. In XXXX of this year I applied for a HELOC with XXXX Bank. At this time the freeze placed in XXXX should have been lifted. 
XXXX uses only Equifax on credit inquiries, so while the XXXX temporary freeze had been lifted as requested, the freeze with Equifax was not. 
Several attempts, including those by the XXXX XXXX XXXX with whom I was negotiating with failed to secure the lifting of the freeze that should have been automatic on XXXX XXXX attempts were made using online access, and phone calls. The demands for identification were so complicated that my request was not processed. 
At XXXX time in the process, Equifax claimed it did not recognize, had never heard of me, despite the fact that I had placed a temporary freeze in XXXX XXXX 
After several failed attempts to have the freeze that should have been lifted on XX/XX/XXXX, XXXX more online effort was made to have the freeze lifted. This time the online response indicated the freeze had been lifted. By this time I had decided not to pursue the XXXX loan. 
In XXXX requests for a permanent freeze on my credit was made to all three credit bureaus. XXXX and XXXX confirmed they placed the freeze. Equifax once again sent notice on XX/XX/XXXX that it had never heard of me and asked for items to identify myself. The requested identifications were provided by certified mail return receipt confirmed on XX/XX/XXXX by a XXXX XXXX. 
Not having heard further, another request was made on or about XX/XX/XXXX. This time the request was made using Equifax 's " Security Freeze Request Form. '' The form requesting the same forms of identification that had been previously submitted several times before. 
On XX/XX/XXXX, Equifax sent a letter indicating it had once again received my request but said, " Unfortunately, we were unable to process your request because we need additional information. '' Then the same information that had been previously sent and received were requested again. 
While XXXX credit bureaus have permanently places the requested freeze, to be lifted only upon my request, Equifax has not done so continuing for whatever reason to say they never heard of me. 
The other XXXX bureaus have required extra effort to process my freeze request, but those requirements were met with some additional effort. Equifax on the other hand is nearly impossible to deal with repeatedly denying knowledge of me and repeatedly requesting the same identifications submitted to it numerous times previously. somwhat difficult to

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: NY

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: NJ

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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