vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: RI

Complaint narrative:
On XX/XX/XXXX I finally received my official letter in the mail ( attached ) from MOHELA and XXXX XXXX XXXX informing me that they had determined that I met all of the requirements for student loan debt forgiveness under the XXXX XXXX XXXX XXXX XXXX program and that my existing student loans had been forgiven in total. While this was certainly welcome news to me after an arduous year and a half of dealing with multiple loan servicers and submitting and re-submitting my documentation and dealing with many unhelpful bureaucrats along the way, there is still XXXX more issue that has been left unresolved ; namely that I am due {$4900.00} dollars as reimbursement for XXXX overpayment for the 18 months of payments that I made after I had reached XXXX qualifying payments for my loans in XXXX of XXXX. I am including a screen capture file ( attached ) showing my XXXX  tracker with XXXX Qualifying Payments approved on XX/XX/XXXX which was the status of my account a few weeks before my student loan forgiveness was approved and processed and then my online account showed as in good standing once the forgiveness was processed ( additional screen capture attached as well ). This clearly shows that I had made many months of extra payments, along with some additional credit for Qualifying Payment periods during the XXXX student loan payment pause period. 

Since receiving my loan forgiveness under XXXX in XXXX I have made several follow up phone calls to both MOHELA staff and staff at Federal Student Aid to find out when I would be receiving my XXXX  reimbursement payments and neither entities were able to provide me any information or confirm to me that I was indeed getting the reimbursement that I am rightfully owed under federal law and multiple XXXX XXXX order relating to the XXXX XXXX XXXX XXXX program. 

After making a year and half of extra payments on my DIRECT Federal subsidized and unsubsidized loans after I had crossed the required XXXX payment threshold under the XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX, I am due those funds. Those extra payments that I made in the total amount of {$4900.00} dollars during the period of XX/XX/XXXX through XXXX of XXXX should be refunded to me immediately now that my loans have been forgiven. 

I request an answer immediately as to the status of my {$4900.00} dollar XXXX overpayment reimbursement and the quick deposit of these funds back to me either via direct deposit from the XXXX Treasury to my bank checking account or a physical check in the mail to my mailing address. 

XXXX XXXX, XXXX XXXX XXXX RI XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 2023-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In XXXX Best buy automatically charged my card for XXXX XXXX I called in XX/XX/XXXX and had the charge removed as I utilize the business XXXX XXXX my business I asked for the subscription to be removed from my account so that I will not be charged in the future I was told they had removed In XXXX XXXX I had an alert stating I had a balance on my best Buy card I had not used the card, it was the XXXX XXXX  XXXX I called multiple times They did not refund me the full purchase price-they refunded {$59.00} on XX/XX/XXXX I called to get the rest removed and I was under the impression it was getting removed-as a letter from Best Buy dated XX/XX/XXXX states they credited my account the remaining difference However, The balance of {$4.00} remained and was reported to the credit bureaus My credit limit was decreased This was all set in motion by a charge that I did not authorize Best Buy has not been helpful in rectifying this situation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 ( Original Creditor : AT T ) XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX ( Original Creditor : XXXX LASCO ) XXXX XX/XX/XXXX {$7200.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USCC. ( a ) ( 5 ) Section states : No consumer rep
orting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are XXXX accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX  inquired on XX/XX/XXXX, XXXX XXXX  inquired on XX/XX/XXXX and XXXX  XXXX  inquired on XX/XX/XXXX. 

The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/2022 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have XXXX to dispute these inquiries but they have not removed them i do not recognize these at all and need them to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: TX

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  ACCT # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  ACCT 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Copy of letter sent to XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Bank Of The West XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Notice of disputed minimum payment Card # XXXX I am writing to dispute the minimum charge that is showing being due in the amount of {$470.00}. Originally it was {$650.00} and has since been reduced but is still excessive. I am requesting that the minimum payment to be recalculated based on the current balance of {$1400.00}. I am also requesting that a late charge of {$41.00} be credited back to my account and no further late charges to accrue until this matter is corrected. According to the branch XXXX at my bank the minimum due is calculated at the rate of 3 % of the balance and should be {$42.00}. Therefore this is the amount I will be paying. 

I have included the letter sent to me by the bank showing my account being credited due to your error, however the minimum balance due was never corrected. 

The Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report. While this is in dispute reporting to credit bureaus is in violation of my rights under this law. 

I look forward to a speedy resolution to this oversight. 

Sincerely, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I had a loan that was cancelled out in a bankruptcy in 2009. I was told to reach out and file a claim as the loan company I had it with shows nothing on file with them. I have been getting nourmrios calls from collection agency 's threatening me stating, my wages will be garnished, have to appear in court, and attested. My family members also are receiving calls in regards to this. I have a letter stating it's clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: TX

Complaint narrative:
on XX/XX/2023, XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per credit XXXX and XXXX. Upon my further research, this account was transferred as Charged off i as a consumer is no longer by law responsible for this account after it has been transferred. 


In Accordance with the Fair act XXXX  XXXX Account # 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 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 2023-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim 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 2023-05-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: PA

Complaint narrative:
I have a fraudulent XXXX XXXX personal loan reporting on my Experian and XXXX. I have told the companies I never opened this and I never signed for this account. I was in XXXX at the time. I want this removed from my credit report, this is harassment. When I call they say its frivolous filing or that I opened the account. When I ask for proof they don't send me anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Commerce Home Mortgage, Inc
State: CA

Complaint narrative:
Hello, on a second refinance of the home at XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX. The XXXX  that Change Home Mortgage uses, allows special concessions for those with financial challenges, and though we have an 800 credit score and majority home ownership asset on a home appraised recently at {$910000.00} CDFI  helps an income stream challenge. The first refi was done with XXXX XXXX  XXXX CDFI  and has changed its name to Change Home Mortgage ) and this refi is 100 precent successful, never missing one mortgage pay an is up and running and current. They did require some course as part of the protocol of first time use of CDFI loan. Currently we have a show stopping refi stopping controversy as they Change is insisting that a course called " First Time Homebuyers Course '' be taken. Objection has been made for a. this is a refi not a home purchase. b. why would we need to take a same or similiar course that was taken for the first loan that is still current? c. the course forces lying as many questions pertain to a home purchase that is an n.a. and the only way to proceed is to lie about the answer and perjur! If this is so important, why does Change have a home refi course? Since the course has been taken and that loan is still active, this should be waived. The other major issue, is Change was incompetent about took a month to decide on what action to take on a home investor, that has a smaller stake in the home as to subordinate them or what, when all they had to do is spend a day to check their policy and find out it would be necessary to buy out this investment. There was no need for them to delay the loan, that is time sensitive ( they caused a mortgage late charge due to this ) and this delay is causing mortgage and financial jeopardy. Worse yet Change absurdly tired to blame us for this delay, when there is no way we can dictate or interfere with their own policy to subordinate etc. so they have been dishonest about this and in consequence have made us several weeks late on their own deadline to complete the loan as if it is not completed then they said they will charge a large additional amount to continue it, when this delay was all their fault as they have had XXXX months now and when the first CDFI refi was completed in just over XXXX weeks! XXXXChange should offer a FREE extension on this loan, waive the course, and proceed to finalize immediately as their delay are also interfering with a funding donation for a public safety organization.ps not true that we delayed this ( could not do that on policy issue ) as our agent/rep was told to tell state any work that was needed by us and its deadline and we missed none of this!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation