vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 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: NC

Complaint narrative:
Account : XXXX/DEPTOFEDU Acct # XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding the unauthorized reporting of my student loan payment history and balances by XXXX/DEPT OF EDU. I believe this action violates my rights under the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681, and the Privacy Act of 1974.

As a consumer, I am protected under FERPA, which grants me the right to privacy regarding my educational records. My student loan payment history and balances are considered part of my educational records and are therefore subject to the protections outlined in FERPA. XXXXDEPT OF EDU has reported this sensitive information to credit reporting agencies without my explicit consent, thus violating my privacy rights under FERPA.

Furthermore, the unauthorized reporting of my student loan information also constitutes a violation of the FCRA. Section 1681 of the FCRA prohibits the furnishing of private information to consumer reporting agencies without the consumer 's consent. XXXXDEPT OF EDU has failed to obtain my consent before disclosing my student loan payment history and balances to credit reporting agencies, thereby violating the provisions set forth in the FCRA. 

Additionally, I believe XXXXDEPT OF EDU actions may also be in violation of the Privacy Act of 1974. This Act establishes safeguards for the handling of personal information maintained in systems of records by federal agencies. While XXXXDEPT OF EDU may not be a federal agency, the principles of privacy and protection of personal information outlined in the Privacy Act are applicable to private entities as well. By disclosing my student loan information without my consent, XXXXDEPT OF EDU has failed to uphold the standards of privacy established by the Privacy Act of 1974. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX/DEPT OF EDU ceases the unauthorized reporting of my student loan information to credit reporting agencies. Furthermore, I urge the Bureau to hold XXXXDEPT OF EDU accountable for their actions and impose any necessary penalties for their violations of federal privacy laws. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to protect my rights as a consumer.

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 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2024-03-25 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: NV

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 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 2024-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
After years of repeatedly disputing the negative report with Midland Credit Management- I decided to call XXXX XXXX. On XX/XX/2023 I spoke with XXXX to explain the situation. XXXX then transferred me to XXXX of the escalation queue. XXXX was not able to assist- I was then transferred to the Senior Manager XXXX XXXX within the XXXX hours I was told that. The card I initially closed due to a fraudulent charge appeared from a gas station in NY. I have never been to NY. I was given a credit on the account and I closed it because I realized I didn't use that card. XXXX XXXX never sent any communications, statements, or collection attempts nor did they call. In the 8 months they claim the card was reopened accidentally. It wasn't until I received a statement saying I owed {$40.00} for an annual fee that I was made aware the account had not been closed as I requested that XXXX. I could not contact the company via phone, the phone matrix would loop never giving me a chance to speak with a live person. I then called the new account line. Where I spoke with a representative that credited the {$40.00} and close the account. The statement I received had no transactions just a {$40.00} annual fee charge. in XXXX I began receiving notices from Midland Credit Managment 2 months later stating I owed {$420.00} dollars. the amount continued to change each time I disputed the debt. Midland Credit Managemet began to produce fradulent evidence of the debt each time I disputed because I noticed the account number was different from the account number on the statement I was sent. When I advised XXXX XXXX never reported the debt on my credit report- Midland Credit Managment went and retro reported negative credit activity. In speaking with XXXX XXXX XXXX advised that the credit card had been reopened by mistake and someone had made about {$400.00} in purchases. I asked what are the purchases we could use that to prove I didn't not make the purchases in addition to requested documentation of the attempts/calls XXXX XXXX made to me to collect the debt. XXXX transferred me to XXXX a Senior Manager who told me they didn't have any records of my account or those transactions. So then the inconsistent statements provided by Midland Credit Management are indeed fraudulent. I have the last statement sent to me from XXXX XXXX that states I did not have any transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: FL

Complaint narrative:
There are XXXX inaccurate and historic accounts listed from the same creditor that is past the statute of limitations for collecting debts in the state of Florida. The last payment made on this account was on XX/XX/2018, and according to Florida state law, the statute of limitations for collecting debts is 5 years this debt is time barred and no longer collectible. Both accounts presence on my credit report is inaccurate and unfairly impacts my credit history. Evidence to support my claim is attached. The account numbers are XXXX and XXXX. Both accounts are listed under XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/XXXX XXXX  || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/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 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I received an email asking if I wanted to earn passive income by allowing my car to be wrapped in an advertisement. I filled out the form and submitted it. A week later I received a letter in the mail stating I was selected, with a check ( Ck amt {$4900.00} ), and instructions on what I need to do to have my car wrapped. The money was supposed to cover the wrap and my first week payment upfront. I followed the directions and deposited the check into my personal checking account and waited for the funds to be available. The funds were made fully available the next business day and I went to the bank and withdrew the funds. I the took the money and went to XXXX where I created XXXX money orders totally {$4000.00}. I was then instructed to over night the money orders to name : XXXX XXXX address : XXXX XXXX XXXX XXXX NY XXXX. I completed all steps and thought I would be receiving a call to set up my appointment to go have my car wrapped. The next day I received an email from my bank stating I was withdrawn ~ {$1800.00} in the bank. I contacted the bank and they stated I deposited a fraudulent check and that I was responsible for the full amount of the check. I attempted to stop the money orders with no luck as the package had already been delivered. I called my bank Wells Fargo and submitted a claim. Wells Fargo stated that my claim was denied because they fronted me the money in good faith. I stated I deposited the check in good faith and if the check was bad I would have preferred they hold the money until the check cleared. I have all the documentation with me. I have filed a compliant with my local law office, the federal trade commission, and with my bank.

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 2024-03-25 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: TX

Complaint narrative:
I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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:
XXXX XXXX XXXX XXXX XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX  business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.

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 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The below transactions were not made by me as I was not in the country at the time the charges were made. I contacted Chase by phone and email about the fraudulent charges and even send them proof of my location. I sent them my flight records and passport entry stamp to another country. In the end, Chase claimed that someone used the physical card with a chip swipe. This can not be possible because I had in possession the credit card the entire time, and the charges were made in the United States. Chase would not recognize the fraud charged to my credit card account totaling {$460.00}. 

Date of Transaction Amount Merchant Name or Transaction Description Reason XX/XX/2024 XXXX XXXX XXXX XXXX You received benefit from this transaction. 
XX/XX/2024 XXXXXXXX XXXX XXXX XXXXXXXX XXXX You received benefit from this transaction. 
XX/XX/2024 XXXX XXXX XXXX XXXX You gave authorization to the user involved in this transaction. 
XX/XX/2024 XXXXXXXX XXXX XXXX XXXXXXXX You received benefit from this transaction. 
XX/XX/2024 XXXX XXXX # XXXX XXXX You received benefit from this transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IL

Complaint narrative:
After making XXXX qualifying payment I submitted my final XXXX application on XX/XX/XXXX. After waiting the estimated 90 days for application review, my account ended up being placed back into repayment status. I have called numerous times and my calls have been deflected when they claim to be " escalating the matter to a supervisor by transferring me ''. I also have not been provided contact information within XXXX calendar days for the representative handling my account request, as per IL XXXX XXXX XXXX Rights XXXX. My account currently shows as back in repayment and past due as of XX/XX/XXXX. 

In addition to this complaint, I have also reached out to Ombudsman for help now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: GA

Complaint narrative:
I have a credit card account and a consumer auto loan account with US Bank. On XX/XX/2024, I mailed a {$3100.00} check for the payoff on the credit card account. On that same day, I mailed a separate check for {$8600.00} to pay off the auto loan account. US Bank posted both checks to the credit card account, resulting in a credit card account with a balance of - {$8700.00} and an auto loan balance of {$8700.00}. I have called the bank on at least XXXX separate occasions and sent several emails to them pointing out their error and asking them to take the credit balance on the credit card account and post that to the XXXX  loan account, leaving both accounts with a XXXX balance. Now they have started making collection efforts for the auto loan which they say is now more than 15 days late. I do not want their error to negatively reflect on my credit report. No matter who I speak with, nobody seems to understand that they have made an error, much less how to correct it. This is a problem even a XXXX grader could correct.

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 2024-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX of XXXX our hvac gas system, split unit with a/c went out. We called XXXXXXXX XXXX XXXX XXXX because they had merged with XXXX XXXX XXXX XXXX-who we had previously done business with. It was hot ( XXXX ), the service tech XXXX said our old unit could not be repaired. We did an online ( His work tablet ) application for credit line to replace our now broken unit. We were approved @ higher interest rate than quoted, but it was hot, we had no air. So I signed for my husband who is XXXX. The next day XXXX sends two workers, no electrician, no one to clean existing duct work, no team of workers as promised. They arrived 2 hours late, had the wrong unit, had multiple problems and did only a partial In stall, they got air working, did not complete gas portion, left gas line open, they return the next day, to supposedly finish install everything. Took a look under house, said they would not clean duct work, but another team member would, they left. We expressed issue same day @ install & duct cleaning being incomplete. XXXX would not return our calls or respond until a few weeks later, sent install manager back with salesman/ service rep. Said they would take down inside furnace unit & reinstall, as we requested, said they had to order supplies from XXXX XXXX XXXX XXXX  They never came back to reinstall or address cleaning of duct work. Three months later its now cold outside, we turn on heat, it's only blowing cold air. Contacted XXXX to state that gas heat is not working & if they do not return to fix the issue, as done the past 3 months. We would contact local news to investigate. They returned did reinstall from sideways to front facing, but did not clean ducts, they also damaged our gutter @ outside A/C unit, & left screws and debris near my car damage to tires. We contact XXXX @ latest issues, they sent same sales representative back to apologize & a check for {$1000.00}, saying refund. XXXX never addressed our request to clean duct work which was a part of {$10000.00} contract loan amount, they never addressed our issue with breaker box replacement, nor our insurers request for work order, electrical, fuses, breakers, wiring, proof of codes conformity, etc. We also never received paper copies of loan/contract until we requested those in XX/XX/XXXX. We also contacted Service Finance.three or more times to inform of issues with XXXX. SERVICE FINANCE went ahead and funded the loan/paying XXXX  in spite of our complaints of incomplete & unsatisfactory work, creating Consumer Finance Bad confidence loan. We had to begin repaying loan XX/XX/XXXX, without Service ever verifying that the work was completed-which Service stated they would not do.

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 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Last year the mortgage servicer sent me a letter that I did not have insurance coverage and they were putting forced place on the account. I sent them proof of payment and policy coverage and was informed the issue was resolved. XX/XX/XXXX I received another notice of XXXX for XXXX and saw that they had been charging me for XXXX XXXX XX/XX/XXXX I submitted through their online ticketing system documents showing proof of XXXX and XXXX coverage asking for the XXXX to be refunded. No response. Between then and now I opened XXXX more online tickets, emailed and called multiple times to no avail. The servicer told me verbally that the XXXX would be refunded and once refunded the insurance would be removed from my escrow and a new analysis performed to correct my monthly payment. They instead left the XXXX on, paid my XXXX policy that I already paid directly and sent proof of payment for and did another analysis raising my payment yet again. Each time I submit in writing it is ignored. When I call they tell me they are fixing it but it will take weeks to correct then make the issue worse. And tell me it will take weeks to correct their errors. I spoke with them on XX/XX/XXXX and was told the XXXX was being removed and the escrow closed off my account. Today I got a letter telling me that my taxes are being removed which I did not want or ever discuss and also an alert that another analysis was done including the insurance and increasing the payment further. I have been told the XXXX was refunded but their website does not provide a view into the escrow account details so I have no means of verifying this. When I called today and read the tax escrow letter to the agent I was told I was wrong that was not what the letter said, rather it merely said that they were working to fix my account. I read the letter back twice which in no uncertain terms stated that my tax escrow was being closed out. I have tried every avenue of communication and am at a loss of how to proceed. They continue to make further errors instead of resolving the issue and now for XXXX I will be overpaying by almost $ XXXX for the XXXX month in a row into my escrow account because they will not correct my payment. As a consumer I have no control over who services my mortgage and the servicer has not demonstrated responsiveness, competence or concern for the time and financial burden this has caused. They simply do not respond, their phone system is automated and loops you continuously through a menu so that often you can not even get to a representative and when you do they pass you around and put you on hold until you give up.

Company response to consumer: Closed with explanation