vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
My name is XXXX XXXX and I applied for the PSLF Waiver this summer. 

In late XXXX I consolidated my XXXX loans to XXXX XXXX loans to be eligible for the waiver. 

I am inquiring with the CFPB because Mohela is attempting to wrongfully deny my application. 

I have worked for a qualifying employer, XXXX XXXX XXXX XXXX, for over 20 years ( XX/XX/XXXX to XX/XX/XXXX ) while making payments to the XXXX loans. 

I tried calling Mohela with my financial advisor however the line was busy and no customer service representative answered the call. 

Thank you. 

XXXX XXXX XXXX XXXX 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 2022-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Southwest Credit Systems, L.P.
State: WI

Complaint narrative:
XXXXXXXX XXXX XXXX  bill that's your company says I owe. Can I be sent original contract with a wet signature. 2. The creditor information name address phone number 3. Itemized billing associated with account. 4. Proof of ownership provide proof you are authorized to collect payment and also legal to collect in Wisconsin.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I ordered a temporary driver 's license from my local DMV. Bank of America at my location refuses to accept it as form of identity.it is a valid temporary id from my local DMV. It's been two weeks I haven't been able to access my account I will soon be homeless because of this!!!

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 2022-10-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
on XX/XX/2022, I sent XXXX, Equifax and XXXX stating to them to remove old information on my credit report and accounts that didn't belong to me and/or had outdated information. 


The credit companies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
on XX/XX/2022, I sent XXXX, XXXX and Experian stating to them to remove old information on my credit report and accounts that didn't belong to me and/or had outdated information. 


The credit companies are not complying with their own policies in a timely manner.

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 2022-10-31 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: WI

Complaint narrative:
XX/XX/XXXX XXXX Asked to remove illegal late payments was declined .. 15 usc1681b permissible purpose of a consumer report the law clearly states in general subject to to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other the number 2 in accordance with the written instruction of the consumer to whom it relates. Did I give you permission to furnish this on my credit report furthermore the fair credit reporting usc1681-2A1 exclusions from a consumer does not include subject to subsection 1681 S3 of this title report containing information solely as a transaction or experiences between the consumer and the person making the report. Delete the XXXX late payment from my credit report this agency is in violation of 15usc1681 failure to respond I can take legal action in violation of the law under civil liability 15usc1681 N 15usc 1666b timing of payments - a creditor may not treat a payment on a credit card plan as late for any purposes unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required 15usc1681b Reasonable procedures- It is the purpose of this sub chapter to require the consumer report agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit personal insurance and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality accuracy relevancy and proper utilization of such information in accordance with the requirements of this subchapter 4- There is a need to insure that consumer reporting agencies excerise their grave responsibilities with fairness impartiality and a respect for the consumers right to privacy.

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 2022-10-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: IL

Complaint narrative:
An auto accident that occurred at a red light on XX/XX/2021. It is claimed I owe damages for the amount of over {$4000.00}. This accident that has been claimed against me had a police report on the scene that noted that NO DAMAGES WERE MADE for this accident. On the police report I have in my possession along with pictures of both my vehicle and the other partys vehicle show no damages on her vehicle. This claim brought against me shows parts and items of this vehicle that mine didnt make any contact that she had gotten fixed and is trying to sabotage/blackmail me into paying for. I have a lawyer for this matter and have sent many dispute forms to AFNI subrogation claims department stating they in violation of my rights and for not proving the debt I owe is caused by the accident that occurred on the date of XX/XX/2021. My vehicle bumped her hitch on the back of the other partys SUV and left no damage at all. Nobody was hurt. The officers told us to go our separate ways. I will not be paying for damages claimed against me that are separate from her own vehicle maintenance needed to be fixed. It was 2 full months after the accident that the other party decided to go get her vehicle fixed and due to the nature of the weather she may of been involved with a different accident or struck an object due to the snow/sleet/rain conditions. I have all my documents to fight this and have already filed many dispute forms for this occurrence. Please give me a call at XXXX or email me @ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MA

Complaint narrative:
I made a payment to XXXX on XX/XX/XXXX in the amount of {$12000.00} which paid off 5 out of the 8 loans I had. The active loans left were transferred over to EdFinancial. I requested a refund on the voluntary payment I made in XX/XX/XXXX as I qualified for a refund due to XXXX. I requested the refund from XXXX on XX/XX/XXXX as I was told by my current servicer ( EdfFinancial ) that since that payment was made prior to my loans being transferred that XXXX would handle the loan. I confirmed the request was in and received notice dated XX/XX/XXXX that the loan refund was in process and it would take 2 months to receive it ( I have attached the notice for reference ). It got close to the 2 month mark and XXXX eventually told me there was no loan refund request in their system. I was told I had to speak with my current servicer to get the refund/ I went through a circle the week of XX/XX/XXXX because I kept calling EdFinancial who told me they couldn't refund it and then call FedLoans for them to say they can request the refund. I ultimately was able to get a refund request put into EdFinancial. I previously submitted a CFPB complaint about the inaccuracies and discrepancies with refund timelines on XX/XX/XXXX where XXXX then responded on XX/XX/XXXX ( after I found out that my loan request was nowhere in their system ). They said they transferred my " paid in full '' accounts to EdFinancial and that they have the refund request I previously made. I spoke with EdFinancial on XX/XX/XXXX and they only had the request I remade on XX/XX/XXXX in their system. Essentially I waited 2 months assuming XXXX was processing my refund to only be told that nothing was done and have to start from square one with XXXX. It seems as though both providers can me inaccurate information and it has resulted in a larger delay in receiving my refund. This is unacceptable as now EdFinancial refuses to give a timeline on when to expect my refund and some of the representative who had said it will take a minimum of 150 days from the day I requested the refund from them and not when I requested it from XXXX  which I was told would transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
Below are the dates and details of interactions with customer service representatives at Aidvantage From XXXX to XX/XX/XXXX. 

XX/XX/XXXX Called Aidvantage early that morning to request a refund of payments made from XX/XX/XXXX to XX/XX/XXXX. The customer service rep confirmed they submitted a request for refund on payments. They gave a time frame of 6 - 8 weeks to receive the refund and that the account balance would reflect once the refund was received. The process was easy but felt rushed to be off the phone. 

XXXX Called to check the status and confirm refund amount and time frame. The rep was very kind and thorough. This rep did not see that any refund request was submitted, and said that the previous rep never submitted anything. They apologized profusely and then told me the refund amount. They said they first had to submit a " refund amount approval '' that could take until XX/XX/XXXX. They went on to explain this was likely to happen even sooner and that in another 4 to 6 days, they would begin processing the refund, from there it would take another 6 - 8 weeks to receive any funds from the Treasury and the account balance would update in the next 30 days. This information was conflicting from the last rep but they didnt even submit my refund request so didnt question it. 

The weeks following XXXX up to XX/XX/XXXX I checked my account balance with Aidvantage and XXXX often ( at least one to three times a week ). There were no updates or movement on any of my accounts. 

XX/XX/XXXX Spoke with a very friendly rep that confirmed the amount was approved on XX/XX/XXXX and still processing, nothing was sent to the Treasury. They said my account wouldnt update until they heard from the Department of Education and that wait times were quite high. They gave a new time frame of XXXX - XXXX weeks. Again, some conflicting information and very frustrating. 

XX/XX/XXXX Checked in on the status by calling in. The rep seemed the most informative so far and was understanding of my frustrations. They that said my refund amount was approved in XXXX and the new timeline is 10 to 14 weeks. The also said my Aidvantage account balance would update before I would receive anything from the Treasury which they were waiting to hear back from. 

Most of the reps were helpful, kind and understanding but after the initial lie about submitting a refund request and then on-going conflicting information about the status of my request and the timelines, my confidence that any of this information is accurate or that a refund will be processed is completely broken. Im especially concerned that if the requested refund is not processed soon, that I could be responsible for paying interest on loans that I never even let accrue any interest, all because of Aidvantages mishandling and incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: EQUIFAX, INC.
State: GA

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. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: Experian Information Solutions Inc.
State: GA

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. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

XXXX 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 2022-10-31 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
In 2019 I discovered a XXXX XXXX card, a XXXX XXXX XXXX, and a XXXX XXXX card had been taken out in my name and had been used for a long time under my name. It now has gone to collections and is damaging my credit score. I have a police report that shows my birth certificate and social and ID card were stolen in XXXX texas at the same time my motorcycle was stolen and other objects stolen from my XXXX. I then went to jail for a few months and was not able to resolve the issue and life happened things backed up so Im just now getting around to taking the proper steps to reporting fraud. They ran about 27 inquiries under my name within a month or 2 period of time all across texas and California. Those inquiries have since fallen off but I remember they tried opening multiple accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have a mortgage serviced by Chase for a property in XXXX, New Jersey. I changed insurance effective XX/XX/XXXX and paid premium directly with my insurance broker. I followed Chase 's procedure to inform them of change. 

Chase proceeded to send a check to the insurance company out of my escrow account for the premium amount of {$1400.00} despite the fact policy was already paid for. I was informed toward end of XXXX of the shortage in escrow this caused and that my payment would go up as a result. I contacted my insurance company ( XXXX XXXX ) who confirmed they never cashed the check they received from Chase ( as policy was already paid ) and sent that check back. 

I called Chase on this at end of XXXX ( I believe the XXXX but not 100 % sure of date ). After an hour long conversation and multiple hand offs and holds they confirmed the check had not been cashed, that they would stop payment on the check and within 7-10 business days the funds would be returned to my escrow account. 

I checked back with them on XX/XX/XXXX which was more then the allotted time for resolution. In the interim they had performed another escrow analysis showing no change to the account. I spoke to them again, had to re explain the situation again and go through the same hand offs and holds and was told again that they would put a stop payment on the check and it would be resolved. This time they told me within 3-5 business days. 

Nothing has changed on my escrow account in the interim and the higher monthly payment to cover the shortage they created is now reflected on my statements going forward starting in XXXX. I called Chase again first thing this morning ( XX/XX/XXXX ) and had the re-explain this situation again and was put on holds and handed off to multiple people again. No one I speak to there ever seems to be aware of the issue or have any idea what is going on. 

I was told this time that there is no timeline they can give me for a stop payment to process even though they are the issuing bank on the check and have been aware of issue for over a month. I asked to speak to a supervisor and was told no one was available but I would receive a call back in a couple of hours. No one has called me back from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: AL

Complaint narrative:
I sent a letter to the courthouse on XXXX XXXX asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy account number ( XXXX ) as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15. USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 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. 

I have attach the letter from the court house that I sent to them as well as their response as evidence.

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 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
i worked for a XXXX XXXX and i liked a vehicle that came in, i talked to owner and we worked out a deal that i can slowly pay off the down payment along with truck payments, i made payments and he would take down payment out of my checks, after a few months ' work slowed down and i seeked other work i let him know, he got all upset threating me to repo the truck and taking me to small claims court, i turned in my invoices for my final pay check and he messaged me saying Hes keeping my check for truck payment, two days later he had my truck repoed and was on mine and my wife 's credit. from XX/XX/22 to XX/XX/22 they received {$730.00} in payments and took over {$1100.00} in my pay checks from invoices, then repoed my truck XX/XX/22

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