vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX held my XXXX loans in the amount of roughly {$75000.00} since XXXX. I made payments for about XXXX years and put the loans in forbearance in XXXX because I went back to school for my XXXX XXXX XXXX. This forbearance then coincided with XXXX in XX/XX/XXXX. As was the case with all XXXX loans, I was of the understanding that these loans were also covered by the XXXX governments ruling on suspension of payments. In XX/XX/XXXX, I was denied of co-signing for XXXX  loans for my son. I found out at this time that XXXX was still expecting payments, although I never received mail nor phone calls letting me know this information. At this time and the months/years that followed, they began informing me that the government would be taking over the loans and all past delinquencies would be wiped clean. In XX/XX/XXXX, XXXX became my new loan servicer and on the letter they sent, it states, '' Your XXXX loans are no longer considered in default '', " Your previous loan servicer has notified credit reporting agencies to remove any adverse credit reporting that occurred because of the default ''. XXXX then went and reported default in late XXXX which has blocked me from co-signing XXXX loans for my daughter. I have contacted XXXX directly and submitted inquiries through the credit agencies. XXXX not only refuses to comply with the letters, they outright refuse to remove this false information on 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 explanation
Consumer complaint received 2024-08-15 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: PA

Complaint narrative:
The company are reporting information on my credit report without my consent. I request for them to remove them off my credit report and failed to do so.

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 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have fraud protection with my business checking with Regions. I never received any fraud alerts from Regions related to the Steam purchases which I could have stopped if I had been alerted. I only received XXXX fraud alert related to the XXXX attempted purchase which I denied as fraud. I never received any fraud alerts related to the fraudulent Steam purchases which is shocking given the total purchase amounts. In addition, Regions does not send me monthly hard copy statements so there was no way I could stop these charges but Regions certainly could have by sending my text alerts about these purchases which it never did. I expect every cent that was stolen from my account returned by Regions. Regions has violated by banking rights and are solely responsible for allowing my money to be stolen. I discovered this fraud and theft in XX/XX/XXXX and the fraudulent purchases appear to have been ongoing since at least XX/XX/XXXX perhaps beyond that as I have asked for my XXXX statements and Regions has not provided them.

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 2024-08-15 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I Did not Authorize for any Companies on my Consumer Credit Reports to report any information to Any Credit Bureaus. According to The Credit Fair Reporting Act FCRA Section 605B It is illegal to report information on my credit report without my permission. Please remove These items from my Credit ReportsTHANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I Did not Authorize for any Companies on my Consumer Credit Reports to report any information to Any Credit Bureaus. According to The Credit Fair Reporting Act FCRA Section 605B It is illegal to report information on my credit report without my permission. Please remove These items from my Credit ReportsTHANK YOU.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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 XXXX years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
CFPB XX/XX/year>24 I am the owner and beneficiary of a XXXX XXXX XXXX XXXX XXXX XXXX  with the funds in CDs. This week I wanted to change the beneficiary of this account to my grandson. When I began completing the change of beneficiary form I was puzzled by the language in section 3 of the form which deals with transfers. I immediately contacted the XXXX XXXX customer service telephone number to make sure I understood the language in the forms. 
I spoke to two representatives at two different times and each confirmed what I had gathered from the form ; that is, when a beneficiary is changed, any CDs in the account are redeemed and repurchased thereby incurring heavy penalties. When I enquired as to why this automatic procedure when there is no change in ownership, I was told that its their procedure and thats it. In addition, I was told there was no one to speak with that could address the issue I brought up. It is at that point that I thought I should contact the CFPB since there are many individuals and families that are affected by this procedure that negatively affects customers with unnecessary redemption penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: TN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-08-15 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: TN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I do not or should not have an account with Fifth Third Bank, as I never signed or consented to a contract with any individual or representative from Fifth Third Bank. On or about XX/XX/year>, a notice to cease and desist all forms of communication and validation of debt was sent to XXXX XXXX at Fifth Third Bank. I received correspondence from certified mail that he/they received documents. However, he/they failed to respond to written notice, in which I also have a certificate of non response as proof. I also disputed this account with credit reporting agencies, requesting proof of who they could have spoken with in order to validate this debt for my own record and I never got a name or representative 's contact. Instead, I received a generic response and no correspondence with my written request. I am demanding that the charged off account be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
THERE WAS A CLASS ACTION SUIT AGAINST XXXX XXXX AND THE FOR-PROFIT SCHOOLS ( XXXX XXXX XXXX ). THAT CASE WAS WON AND STUDENT WERE TO BE GETTING OUR LOAN FORGIVEN. I RECEIVED NOTIFICATION OF THAT A FEW YEARS AGO VIA XXXX XXXXGREAT LAKES/NAVIENT XXXX THE ACCOUNTS WERE MERELY CLOSED AND TRANSFERRED TO A NEW LENDER AND NO BENEFITS WERE RECEIVED FROM THAT RULING. THESE CAMPUSES AND COMPANY ARE NO LONGER IS EXISTENCE AND I HAVE THIS EXTREMELY HIGH LOAN BALANCE. SEVERAL MONTHS AGO, IT SHOWED ON MY CREDIT REPORT, MY BALANCE OWED WAS XXXX AND WHEN NELET TOOK OVER MY LOANS NOW MY BALANCE IS BACK TO OVER XXXX. WHY THIS HUGE DECEPENCY? WHERE DID THE XXXX XXXX LOAN FORGIVENESS CASE RULING BENEFITS GO TO THE STUDENTS?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I am a victim of identity theft. Someone tried to apply for multiple account using my information. XXXX system report has multiple fraudulent items from name, addresses and inquires. I contacted XXXX and they refuse to conduct a through investigation without a CFPB report. 
Fraudulent Name : XXXX XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX Fraudulent Inquires : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Last month in XXXX I mailed Transunion multiple disputes letter with my name, address, and a copy of my social security attached regarding the inaccuracy of my credit reporting profile. However, Transunion did not process my dispute at all. Besides, Transunion did not send me any correspondence whatsoever regarding my disputes.

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 2024-08-15 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
When I purchased my XXXX XXXX XXXX  I did it through XXXX and my Lender was XXXX XXXX. Before the Ink was dry it was sold to Freedom Mortgage. In XXXX of this year I received a Final notice from Freedom stating that I needed to have flood insurance ( I live on the XXXX floor ) I faxed to them twice and uploaded documents showing that my building has flood insurance. They went in and took XXXX out of my escrow to pay for flood insurance now I have a negative balance and this upped my mortgage payments XXXX XXXX dollars which I can not afford. Why when XXXX said I didnt need flood insurance are they stating I do. I live in flood zone XXXX  in XXXX which according to XXXX it presents a XXXX % chance of flooding. They will not work with me - my payment will increase next month.

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 2024-08-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
On XX/XX/XXXX I lodged a complaint with cfpb about my forced art institute loans through navient. In response navient sent me the misconduct application form as I qualified for it. I submitted it with evidence including my letter as a class member of the XXXX v. XXXX lawsuit, lawsuits against the schools both federal and state as well as proof of false graduation rates and employment snd salaries. On the evening of XX/XX/XXXX I recieved emails from navient confirming my application was approve for private loan dismissal. Since I graduated in XXXX I had been forced to make payments on these loans. Even though my evidence proved I was forced to take these loans out and they were forgiven I was denied restitution. This is unacceptable. Navient has put aside millions of dollars to settle private loan forgiveness. There is zero reason for them to deny restitution on school misconduct findings that they themselves approved. I am attaching my misconduct decision on the loans and payment history on the forgiven loans showing all the payments I have made since graduating in XXXX. Again I was forced to make payments on these loans for years. These loans were proven to be unethical and fraudulent. My payments should be returned in full. Navient has made reimbursements to the first few applicants of the misconduct form and it is known that they set aside {$35.00} million for cases like mine. I am fully entitled to a reimbursement as I have been approved through their misconduct form.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I have been paying for credit protection since I first Obtained the Destiny Mastercard. 
In XXXX I was going thru a difficult time health wise. Was scheduled for multiple surgeries that resulted in me not doing well. During this time I had XXXX XXXX XXXX. 

Although the company credited the late fees I have been going back and forth with them because they are refusing to honor the credit protection for XXXX XXXX XXXX and XXXX this has resulted in negative credit reporting that is inaccurate and should be removed. 

They keep saying they can not update a credit report. This is not true I had credit protection and the lates needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
he negative remarks and inaccurate information have XXXX affected my credit standing, leading to a significant drop in my XXXX score. This has caused me considerable financial distress and hindered my ability to obtain credit. Please treat this matter with urgency and ensure these inaccurate items are thoroughly investigated, blocked, and removed from my credit report. I request written confirmation once the inaccurate information have been removed and my credit report has been updated accordingly.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The XXXX student loan accounts I have are being reported twice on my credit report. Because there are duplicate accounts on my credit report my total student loan debt on my credit report is higher than my actual total student loan debt shown in my XXXX portal. And, this lowers my credit score and hurts my debt to income ratio.

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