vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Request for Removal of Inaccurate Address Information Dear XXXX, I am writing to formally request the removal of inaccurate address information from my credit report. Upon reviewing my credit report, I have identified addresses that I am not associated with, which I believe is adversely affecting my credit history and score. 

The following addresses listed on my credit report are inaccurate and should be removed : XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have never resided at, nor have I conducted any financial or legal transactions associated with the above-mentioned address ( es ). Their presence on my credit report is erroneous and may be contributing to incorrect assumptions about my credit history. 

For your reference, I have enclosed the following documents to verify my current address and to support the removal of the inaccurate address information : A copy of my government-issued ID drivers license showing my current address. 

And My vehicle registration confirming my current address. 

I kindly request that these unassociated addresses be investigated and removed from my credit report as soon as possible. The rectification of my personal information on my credit report is crucial for maintaining the accuracy and integrity of my credit history. 

Please inform me in writing once these changes have been made, and provide me with an updated copy of my credit report. I appreciate your prompt attention to this matter and look forward to seeing the necessary corrections made. 

Thank you for your cooperation and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I purchased a home on XX/XX/2023 at XXXX XXXX Title XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
During the closing they collected {$2700.00} for my home owner 's insurance policy through XXXX XXXX. 
90 Days after closing I received a letter from XXXX saying the policy had been cancelled because they never received payment. 
On XX/XX/XXXX I followed up with Wells Fargo who instructed me to contact XXXX XXXX Title regarding the funds. 
On XX/XX/XXXX I contacted the XXXX XXXX Title which informed me that the check had not been cashed and they would reissue another to XXXX but I asked them to hold off until I spoke to my agent about the policy since I was certain it couldn't just be paid. XXXX XXXX sent me an image of a check but I have no proof they mailed the original to XXXX XXXX XXXX XXXX 
During the week of XX/XX/XXXX Upon reviewing the situation with my insurance Agent ( XXXX XXXX ) they informed me I would need to reapply for insurance with XXXX and would have to pay more for the lapse in coverage. The second quote was more than double. I contacted XXXX insurance mutliple times myself and was told they do not send letters or notices for non payment of new policies. 
In order to apply for new insurance I had to get a new XXXX inspection which cost me {$150.00}, and I used that to finally obtain a policy with XXXX XXXX XXXX for {$3300.00}, an increase of {$600.00}. Compounded over the life of my 30 year mortgage, I will pay an additional {$18000.00} for home owners insurance. 
Finally, Wells Fargo sent me a letter last week informing me they were going to charge me for {$1700.00} for the 4 months the home was not insured ( 90 days we thought we had insurance plus the 30 days it took me navigating this mess ). 
XXXX XXXX XXXX refuses to take responsibility for the funds not being dispersed. They eventually sent me the original {$2700.00} from the closing only after Wells Fargo instructed them to do so. I originally asked them to give me the difference in policies ( {$600.00} ) and they refused. 

Total loss right now for XXXX XXXX 's mistake is {$22000.00}. 

{$150.00} for new inspection {$18000.00} {$600.00} per year increase in insurance premiums, assumed compounded over 30 years {$1700.00} for lapse in coverage. 
{$2000.00} for my time ( conservatively XXXX hours )

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
I reported that I had wrong information on my consumer report and the bank has agreed to remove it from my report but I havent heard anything from the agencies yet updating my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I got an alert from XXXX XXXX on XX/XX/XXXX saying I had a hard inquiry on my credit, after checking there was an unauthorized Capital One bank credit card inquiry on my account that I never inquired about or approved. The report was through XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Hello.. My car note is with vystar credit union XXXX In XXXX of 2022 I had a child with a severe XXXX. Up until that point Ive paid my car note on time. We had no idea that for 7 months we would be in icu 5 states away from my baby. During that time I really couldnt work. So if course bills fell to the side because of course my savings ran out. During this time I called vystar on numerous occasions. Not one time did they tell me that my car note couldve been deferred for 3 months. They knew my situation and yet none of the representatives on the phone really helped me. They allowed it to be deferred once but not three! Now Im sitting here with all these late payments hitting my credit.

I dont think its fair because I feel like they didnt fully help me When they couldve. Deferring my car note for 3 months wouldve helped me tremendously. Especially towards the end of his hospital stay. 

I would greatly appreciate if they could remove the last 3 months late reportings on my credit. For all three bureaus. 

IM now home with my son and back to work so Im able to pay on time. But because we are moving to a new state having those late payments hurts my credit. I need to move him closer to his specialist. In the future he will need a lot of surgeries so it make sense to move. 

Removing those late payments will help make this transition a little easier to get approved for housing. 

I do have supporting documentation of my sons XXXX and documented hospital stay available upon request. 

Thank you so much for your time.

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 2024-01-04 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: CA

Complaint narrative:
on XX/XX/XXXX  I pulled my credit report showing several inconsistancies on my consumer credit report. I have no outstanding Debts in the state of Ca. Please delete all inaccuracies which are affecting my validity 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 explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I just got a telephone call from JPMorgan Chase threatening to close my checking account next Monday due to an overdraft!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Good afternoon, Over 2 months ago, I submitted an application through XXXX to switch into the XXXX repayment plan. I received confirmation from Aidvantage that the application had been received and was processing. I waited some time and then emailed aidvantage customer support to get an update regarding the application. On XX/XX/XXXX, I received an email from aidvantage customer support requesting that I be patient with aidvantage to be enrolled in the XXXX plan as their company has received an overwhelming amount of calls and emails from customers and would need time to respond to everyone and process all the applications. In that email, I was told to give Aidvantage 30-45 days to process my application and enroll me in the XXXX plan. At this point, we have surpassed 45 days by over 2 weeks. I received that email on XX/XX/XXXX. And today is XX/XX/XXXX. It has been over 60 days at this point and I have not received any new information or updates from Aidvantage. I feel I have been more than patient. As I'm sure you can understand, this is very distressing. I made my 1st payment of {$550.00} on XX/XX/XXXX and nearly overdrew my account. That amount is staggering to me and simply not affordable. I can not continue to make that payment going forward however, I also am a responsible person and absolutely do not want to default on my loans. I have no problem making on time monthly payments I can afford. Under the new XXXX plan, my projected monthly payment is around {$200.00}. That is an amount I can afford for the foreseeable future. I requested an update regarding when I will be enrolled in the XXXX plan, and hopefully, it is just days away. I will not be able to make another payment of {$550.00} this month or any month in the future. It is simply too high due to my current income. Additionally, I have sent between 40 and 130 emails every day this week to Aidvantage customer support and have received no response from them. They are showing to be truly incompetent as my student loan servicer. They need to be held accountable. They are harming peoples financial situations due to their ineptitude. Please hold them accountable. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: GA

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: CA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc.
State: IL

Complaint narrative:
My Nelnet student loan is being reported as closed, however it is not closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: OH

Complaint narrative:
My student loans were forgiven by XXXX XXXX XXXX. I have the official letters by account needs to be updated on XXXX and experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Request for Removal of Inaccurate Address Information Dear Experian, I am writing to formally request the removal of inaccurate address information from my credit report. Upon reviewing my credit report, I have identified addresses that I am not associated with, which I believe is adversely affecting my credit history and score. 

The following addresses listed on my credit report are inaccurate and should be removed : 1 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and 2 ) XXXX XXXX XXXX XXXXXXXX XXXX  XXXX I have never resided at, nor have I conducted any financial or legal transactions associated with the above-mentioned address ( es ). Their presence on my credit report is erroneous and may be contributing to incorrect assumptions about my credit history. 

For your reference, I have enclosed the following documents to verify my current address and to support the removal of the inaccurate address information : A copy of my government-issued ID drivers license showing my current address. 

And My vehicle registration confirming my current address. 

I kindly request that these unassociated addresses be investigated and removed from my credit report as soon as possible. The rectification of my personal information on my credit report is crucial for maintaining the accuracy and integrity of my credit history. 

Please inform me in writing once these changes have been made, and provide me with an updated copy of my credit report. I appreciate your prompt attention to this matter and look forward to seeing the necessary corrections made. 

Thank you for your cooperation and assistance. 

Sincerely, 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 explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: WI

Complaint narrative:
I never received any communication regarding when payments were to begin, that payments were to not be made in XXXX, XXXX or XXXX of 2023. I have requested numerous times someone to speak with about consolidation or restructuring my loans to a lower interest rate. I have never heard back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX, I am XXXX years old and CHASE CREDIT CARD BANK has been, creating me, problems in regards a credit card I had with them Everything was fine on my end! The monthly payments have been made steadly, Never late, always paid more the minimum balace! I made sure, by authorized automatic payments, XXXX day coming from nowhere, I tried to use the card and wouldn't work, I try to get into my account thru the card app, and for my surprise was blocked for suspicious activities, I call the bank I they made me go thru an huge extensive identidy check, I staying on the phone for well over an hour with many moments o f complete silence, like a little children 's game! They just left me there sitting and waiting for their disgrace!! They ask me detail questions of my addresses over 35 years a go, that many computers XXXX  would not have an answer! They never send an email or called me or anything! The only thing they is to pull money out of my account with XXXX automatic charges on my Bank account to callect my money without me be able to confirm payments or details of payments! They simple charge me anything they fell like it! Without any reference for my payments! That is taking a huge toll on me, since I am very conscious person about my credit health, which they have hurt deeply lowering my score from XXXX to XXXX with no respect for my age or situation! What their doing it's an Psicologic and Financial abuse against an elderly person! 
It's just not fare and should be severely punished by the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: CA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2024-01-04 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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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