vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Self Financial Inc.
State: MA

Complaint narrative:
Again closed the credit builder account I have the screenshot says account closed in good standings.. 
And when I close it I got a refund check. 

Couple months go by they say I owed 3 months of payments and I was late XXXX XXXX XXXX XXXX XXXXXXXX XXXX! 
Talk to the people at this company ( self-financial ) lead bank ) and they were the most rudest people I've ever dealt with in my life. And now my credit suffering from their mistake is not right because they will not listen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I discovered that someone had filled out withdrawals slips with my name and social security number on them and withdrew {$800.00} from my checking and {$800.00} from my savings accounts on XX/XX/XXXX. This was done at the Chase Plaza at XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and I live in XXXX. The bank teller should have noticed that this was a fraudulent transaction, as this was not in my home state. The social security number on the withdrawal slip should have raised a red flag with the teller. I also have fraud alerts set up on my accounts and received no alerts. I reported the fraud to Chase, and they refused to investigate the incident or reimburse the {$1600.00}, since it was outside of their 60-day fraud window.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: CA

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 2024-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Obtained TransUnion credit report and noticed fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
I had 5 payments remaining on my student loan for PSLF as of XXXX XXXX. My previous employment verification was verified up until XXXX XXXX I submitted my form and on XXXX  the form showed on MOHELA 's website that it was received. 

I sent MOHELA an internal message on XX/XX/XXXX stating that my information wasn't showing updated on the Financial Aid website and was not able to process my PSLF verification to ask for loan forbearance. I asked them to look into why my dates of employment were not updated on the federal website. I spoke to a customer service representative with a trainer on the phone call to ask how long the process was going to take. He stated 90 days from XXXX I asked if I needed to fill out another form and he stated, that they would be able to count the payments internally. 

On XXXX, I received a response from the message center and this is their response " Thank you for contacting MOHELA, Our records indicate that you called and spoken to one of our Customer Service Representatives regarding this inquiry. We will assume the inquiry has been handled. '' I received a denial letter on XXXX  stating that I didn't meet the remaining 5 payments of the student loan for the PSLF. my previous form was updated until XXXX  ( according to their website ). The 115 payments are still showing listed but it appears they processed my form from XX/XX/XXXX without giving me credit for the XXXX XXXX for the months of XXXX, XXXX, XXXX, XXXX, and XXXX. ( 115 payments made + 5 months=120 ) I resumed my student loan payment of {$580.00} on XX/XX/XXXX, and have paid every month to date because of their error in reporting it to the federal student loan system on time. 

I don't know what else to do. I've submitted my PSLF form, MOHELA held onto it since XXXX  and denied it on XXXX stating that I didn't have enough payments to meet the criteria. They didn't process for the months that I needed to have my student loans forgiven and now the process starts again. Fill out a new form and wait almost 120 days, if not more, for them to review the same information. 

They have the data that shows the correct information and I don't understand why this ends up being a burden on the borrower. I would rather pay the federal government directly than with a third-party contractor that doesn't know how to count.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph, + the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the XXXX consumers and the person making the report ; 22 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: PA

Complaint narrative:
Obtained XXXX credit report and noticed fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: NH

Complaint narrative:
I am at 120 eligible payments for Public Service Loan Forgiveness ( PSLF ), but despite certifying my qualified employment through XX/XX/XXXX, Mohelas count leaves me at 118 qualifying payments or 2 shy - ineligible for PSLF forgiveness and ineligible for forbearance pending final review. However, the count is inaccurate and does not take into account XXXX of XXXX, which is listed in their records in error as ineligible due to forbearance ; however, this was Mohelas administrative forbearance that is supposed to count towards PSLF due to the return to repayment fiasco and per Department of Education communications and press releases, WILL qualify ( as they did for XXXX and XX/XX/XXXX why not XXXX? ) and the XX/XX/XXXX payment was made and the employment certification was processed after that date, but XX/XX/XXXX is not accounted for in the PSLF total count. I submitted secure messages through Mohelas portal which have gone unanswered, with the exception of one that indicated the assumption my question was answered because they saw I called two days prior what they did not see is someone transferred me to someone who could help and I sat on hold for nearly two hours before needing to get on with my life. I have little faith in calling in as this experience is typical of any past attempts to reach them by telephone. I understand I could continue making payments and if/when this ever gets sorted out, those would theoretically be refunded as 120+ payments, but if I cant trust Mohela to update their system accurately, I do not trust sending any overage in the hopes they eventually straighten it out and refund it. I immediately disputed the count through Mohela and the Department of Education complaint process, but Mohela returned a notice reaffirming the count as if a human did not check the dispute reason and it was just a computer regurgitating the incorrect information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: CA

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I saw a collections account from XXXX XXXX pop up on my credit report for past due XXXX XXXX service. I called them and they said it was tied to an address in XXXX XXXX ( I live in XXXXXXXX XXXX  ). 

They asked me to send them a police report and once I did the debt would pass back to the original creditor for investigation. I sent the police report and never heard back from them. When I called a week later, they said there was no longer an account under the original account number they gave me. 

I tried calling XXXX XXXX but since I never had an account, I don't have an account number and they are unable to verify anything without it. 

Then I received a letter today from another collections agency called IC Systems to my real address which I had given to XXXX XXXX for correspondence. It is the only way they could have gotten it. This was regarding the same debt, so it appears that XXXX XXXX just sold it to another agency. 

Now I am disputing the debt with the new agency, but I am afraid this is just going to continue and the collections are on my credit. My last name is not spelled correctly, and the address of the original account with XXXX XXXX is in XXXX XXXX. It is fairly easy to see that this is fraud, which is most likely why XXXX XXXX got rid of it right away after receiving the police 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 explanation
Consumer complaint received 2024-02-17 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Skrill USA, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I received an email from Skrill advertising their XXXX XXXX promotion for 10 % cash back " when you spend at least {$50.00} on Qualifying Transactions made when using your physical or virtual Skrill Visa Prepaid Card '' from XX/XX/XXXX to XX/XX/XXXX, with a maximum of {$50.00} back. It was stated in all three emails that the offer was " valid for the first XXXX customers. '' I made a purchase at XXXX on XX/XX/XXXX with my card in the amount of {$500.00}. On XX/XX/XXXX and XX/XX/XXXX, I received two more promotional emails advertising this same offer, indicating to me that it was still ongoing and that I had qualified. According to the terms of the offer, it should have been issued to participants by XX/XX/XXXX, or else XX/XX/XXXX at the latest. I hadn't received it by XX/XX/XXXX, so on XX/XX/XXXX I opened a case with Skrill asking about the promotion. On XX/XX/XXXX they hadn't replied, so I updated the ticket. On XX/XX/XXXX I received a reply saying my account had not qualified for the promotion, and requesting a copy of the emails. The response requested that the emails be sent within 48 hours, else the ticket would be closed. I responded on XX/XX/XXXX, and on XX/XX/XXXX the request was denied and the ticket was closed. 

The grievance I have is not with this type of promotion ; while it is unbalanced toward the consumer, it is within the rights of the company to set those types of limits on their promotions. However, I believe it is deceptive to continue to market that promotion - and directly solicit participation from users - past the point they have any intention of fulfilling it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a check from my insurance company and the check was deposited, funds were made available and then returned. When reached out to XXXX XXXX they said the funds cleared their system. Both parties are claiming they no longer have the funds but they're not in my account either,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has Not Provided Validation information under 12CFR-1006-34 ( b ) ( 5 ) But yet they placed a Collection on my Consumer Report. 
I Have Not been given the chance to dispute this account according to 12 CFR 1006-34 ( c ) ( 4 ) ( l ) XXXX XXXX is Violating My Comsumer Rights by Using False Misleading, Misrepresentation and Decaptive means XXXX XXXX has No Authority to furnish an account to consumer Reporting agencies without providing any and all disclosure by law and they are in Clear Violations of 12CFR 1006-34 ( d ) and 15USC 1681-5 2 ( 7 ) ( a )

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 2024-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern and frustration regarding an unresolved issue on my credit reports. There is fraudulent information from XXXX XXXX which, despite my previous attempts to resolve it, remains unresolved on my credit reports. I believe this fraudulent account has been reported inaccurately and is adversely affecting my credit score. As a diligent consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry 's accuracy with your company. The FCRA explicitly grants me the right to ensure that my credit report is fair, accurate, and up-to-date. However, despite my efforts to rectify this matter, I have not received any satisfactory response or resolution from XXXX XXXX. I hereby request that XXXX XXXX. Remove this fraudulent account from my credit report immediately. I have attached my FTC report supporting documentation. According to the FCRA guidelines, I trust that your company will uphold its responsibilities under the law and resolve this matter promptly within the specified timeframe. If XXXX XXXX fails to address this concern and rectify the inaccurate reporting within the given 30-day period, I must inform you that I will be left with no choice but to pursue legal action to protect my rights as a consumer. I sincerely hope that it does not come to this and that we can find an amicable resolution to this matter before it escalates further. I believe in the importance of accurate credit reporting, not just for my financial well-being but for the integrity of the credit reporting system as a whole. As such, I expect XXXX XXXX to take this matter seriously and treat it with the urgency and attention it deserves. Thank you for your immediate attention to this matter. I expect that XXXX XXXX will adhere to its legal obligations and resolve this issue expeditiously. Your cooperation in this regard will be greatly appreciated. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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 am writing to express my deep concern and frustration regarding an unresolved issue on my credit reports. There is fraudulent information from XXXX XXXX which, despite my previous attempts to resolve it, remains unresolved on my credit reports. I believe this fraudulent account has been reported inaccurately and is adversely affecting my credit score. As a diligent consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry 's accuracy with your company. The FCRA explicitly grants me the right to ensure that my credit report is fair, accurate, and up-to-date. However, despite my efforts to rectify this matter, I have not received any satisfactory response or resolution from XXXX XXXX. I hereby request that XXXX XXXX. Remove this fraudulent account from my credit report immediately. I have attached my FTC report supporting documentation. According to the FCRA guidelines, I trust that your company will uphold its responsibilities under the law and resolve this matter promptly within the specified timeframe. If XXXX XXXX fails to address this concern and rectify the inaccurate reporting within the given 30-day period, I must inform you that I will be left with no choice but to pursue legal action to protect my rights as a consumer. I sincerely hope that it does not come to this and that we can find an amicable resolution to this matter before it escalates further. I believe in the importance of accurate credit reporting, not just for my financial well-being but for the integrity of the credit reporting system as a whole. As such, I expect XXXX XXXX to take this matter seriously and treat it with the urgency and attention it deserves. Thank you for your immediate attention to this matter. I expect that XXXX XXXX will adhere to its legal obligations and resolve this issue expeditiously. Your cooperation in this regard will be greatly appreciated. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief