vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 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: CA

Complaint narrative:
While attempting to submit payment for my student loan, MOHELA did not provide an eta for the wait time as per CA state law.

This is a violation of CA civil code statutes AB 376, AB 1864, SB 908, Section 1788.101 ( a ), Section 1788.101 ( b ) ( 1 ) - ( 6 ), Section 1788.101 ( b ) ( 7 ) - ( 10 ), Section 1788.102, Section 1788.102 ( b ), Section 1788.102 ( c ) - ( d ), Section 1788.102 ( e ), Section 1788.102 ( f ), Section 1788.102 ( g ), Section 1788.102 ( h ), Section 1788.102 ( i ) and ( k ), Section 1788.102 ( j ), Section 1788.102 ( l ), Section 1788.102 ( m ), Section 1788.102 ( n ), Section 1788.102 ( o ) - ( r ), Section 1788.102 ( s ), Section 1788.102 ( t ). In addition to several additional Federal, state, and local statutes pertaining to financial fraud. Furthermore, this is not a duplicate reporting of fraud. This is an additional unique instance of fraud conducted by MOHELA. This company continues to engage in fraud as an attempt to act as a subsidy for the U.S. Treasury department.

While on the telephone with a MOHELA representative, ( XXXX, ID # XXXX ), I was informed that MOHELA is unable to provide physical copies of my receipt notarized by the U.S. Postal Service. This is a violation of CA AB 376, Special disclosure requirements for private education loans law 1026.46 ( b ) ( 5 ), and 34 C.F.R. Part 104.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
Taking the whole payment in interest for several months

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-05 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: GA

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I have repeatedly attempted to use my AmericanExpress Gift card and am constantly turned down. 

Most recently : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Rushmore Servicing/Mr. Cooper/Nationstar continue to not answer our questions in our complaints with CFPB and/or lying by omissions in their answers. 

They have now contradicted themselves, once again, in stating XXXX XXXX XXXXXXXX XXXX for XXXX XXXX XXXX is NOT the investor while stating that a Referral For Foreclosure letter was sent by XXXX XXXX XXXX on XX/XX/XXXX that claims that the investor is XXXX XXXX  XXXX XXXX for XXXX ( see attachment ) and this letter was the start of a foreclosure complaint in XXXX XXXX XXXX XXXX on XX/XX/XXXX by XXXX XXXX XXXX with the Plaintiff being the investor XXXX XXXX XXXX XXXX  for XXXX XXXX XXXX XXXX This is A clear violation of the laws of the NJ Foreclosure XXXX. 

We are Requesting the CFPB makes Rushmore Servicing answer truthfully for what we are now demanding the answers to : 1. why the Referral Letter for Foreclosure and the Foreclosure complaint by XXXX XXXX XXXX contradict each other when they named two different investors for the same foreclosure complaint.

2. When and how was XXXX XXXX involved in the Foreclosure complaint from XX/XX/XXXX through XX/XX/XXXX and why did XXXX XXXX office state that many mistakes were made and the file has been closed as of XX/XX/XXXX. 
3. What exactly is the line by line item for the total of {$3300.00} for the foreclosure fees by XXXX XXXX XXXX which seems to be outrageously high for less than 2 months of time of foreclosure activity, ( to say nothing that it should have taken place in the first place with the mistakes and errors and contradictions and why it was dismissed on XXXX XXXX. And why is it still against the account & being worked on to be removed by XXXX XXXX XXXX at this time and date. 
4. Why is Rushmore response to the most recent CFPB complaint state a Notice of Default Demand Letter was mailed in XXXX XXXXby Rushmore Loan Management Service ( RLMS ). How can that letter be mailed by RLMS when they merg d assigned Servicing to Rushmore Servicing/Mr. Cooper/Nationstar merged on XXXX XXXX. 
5. How was the XXXX XXXX Rushmore Mortgage Statement Accelerated to {$770000.00} and yet the XXXX XXXX Statement no longer has accelerated figure and we need a full explanation for the {$290.00} maintenance fee and {$5100.00} in legal fees on the Rushmore Statement. As no maintenance on the property of XXXX XXXX XXXX has ever taken place on behalf of Rushmore Servicing and the legal fees are above the {$3300.00} stated above by Rushmore response for XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After reviewing my credit report, I spotted some inaccurate late payment accounts that need reporting and correction through your company. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.

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 2024-01-08 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: IL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX Illegally charged off and/or purchased my personal information from a third party and is reporting open and charged off and closed negative accounts, that I have no knowledge of. 
as evidenced in my previous complaint XXXX XXXX was sued by the for illegal practices for inaccurate information which previously appeared on my report as i am being compensated. 
from the suit as referenced in account number XXXX on my consumer credit report. 

These open accounts, that I have no knowledge of, constitutes identity theft and a is violation of my privacy. Equifax XXXX and XXXX are guilty of identity theft as they have reported this inaccurate information without my written consent and without good cause.as section 623 [ a ] [ 6 ) clearly outlines the law. 
per the fair credit act this is violation of my privacy and constitutional rights as seen in FCRA AS PROVIDED IN SECTION 333 ( a ) of the act the violator shall be assessed a civil penalty of up to XXXX for each violation. 

These violations have caused me to suffer irreparable repair to my life and quality of life as such. 

PLEASE REMOVE THESE INACCURACIES FROM CONSUMER REPORT IMMEDIATLY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in my credit report

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 2024-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX # 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 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 of 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 2024-01-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX # 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 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 of 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 2024-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Mr. Cooper bought my home loan. Monthly there has been issues with my online payments going through. I called and was told not to use autofill because it would not work with their systems ( agent had same issue ). I have never had an issue with any other company using autofill to make payments. I deleted my payment method and manually enter my account information. I made a payment on XX/XX/2023. They reversed it without notification and charged me a {$50.00} NSF charge. I called XXXX XXXX  who does not have record of any NSF charges on my account. Mr. Cooper refuses to refund the fee because they say it is either user error or XXXX XXXX  causing the issue. Mr. Cooper wants a letter saying my account is verified. They are using the exact same account number when it goes through the second time. The fact that they are pulling from the same routing number and account number should prove that the issue is on their end. In approximately XXXX  years of dealing with different banks for home loans I have never had an issue until I had to deal with Mr. Cooper. I would like them to sell my account to a more reputable banking institution. Customer service was unhelpful and actually escalated a situation by being sarcastic and dismissive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS
State: TX

Complaint narrative:
The investigation took far longer than 30 days. They also did not inform me ( XXXX XXXX XXXX ) as to what exactly was changed, nor did they send any updated results to my insurance company that has now been charging me exorbitant rates/premiums since the beginning of XXXX 2023. 
I also wish to add to my report, held by them, the following statement : I have not had any traffic citations. I also have never been At-Fault in any claims. I have great credit and drive safely. I have been happily married for many years and have a college degree. Thus, I should qualify for your best rates. Thank you for your anticipated understanding and compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, plus or minus a day or two, my checking account was compromised. A representative from Wells Fargo notified me and I immediately changed my account. A week later my debit card was compromised and again, that card was canceled and a new card issued. But here is where the problems begin. The new debit card was mailed to a different address than where I live. I gave no permission to this nor did I give a pin number to said person as Wells Fargo claims center continually keeps telling me I did. So after seven days, I went to bank and told them I had not yet received my new card. When teller looked up to trace she told me it was sent to an address in Texas. The teller also informed me that XXXX $ had been transferred from my savings to my checking/debit account and many transactions had been made. ( a total of XXXX $ ) We immediately canceled this card and again a new card was issued and scheduled to be delivered. When I received a letter from Wells Fargo about my new card that was scheduled to arrive, my address was correct. So I looked back on a the previous letter sent to me about the compromised card, there was no address listed. I have filed three complaints for Wells Fargo to investigate. The only response they keep giving me is that it is my fault. Please look further into this as I DO NOT : 1 ) give permission to mail my new debit to someone in Texas 2 ) know anyone in Texas claim # : 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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXX Account Number : XXXXXXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 10 XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX Account Number : XXXXXXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX Account Number : XXXXXXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX  Account Number : XXXXXXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief