vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is in Reference to the following : 1. XXXX XXXX : XXXX in XXXX 2 . Confirmation Number : XXXX 3. Case Number : XXXX Although my previous filed complaints with XXXX and Experian were still OPEN, since they have already sent me a correspondence about the results of their reinvestigation, I need to make a secondary complaints today because I am very dissatisfied with the result of their investigation with the said Creditor, Their information don't jive with each other. It seems that they fail to communicate with one another resulting in various interpretations on this one single item that they have furnished on my credit file. 

I find it really unfair on my end because this is ruining my name and character as a consumer. My credit profile reflects my creditworthiness as a person and improper delivering of information may result in giving other creditors some negative perception by judging my credit capability.

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 2023-11-24 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: Nelnet, Inc.
State: NY

Complaint narrative:
I have dates of XX/XX/XXXX amount XXXX $ NELNET is the company name they have out XXXX separate loans in my name without my consent or knowledge. XX/XX/XXXX XXXX $ An XXXX XX/XX/XXXX XXXX $ This are all fraudulent because I never toke out any loans with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: TX

Complaint narrative:
On XX/XX/2023 I was informed MOHELA has placed an Administrative Forbearance on your account. I called on XX/XX/2023 to see why, and was told it was a processing forbearance. I have been on the standard/level repayment plan for over a month at this point and an auto debit under this plan was actually withdrawn on XX/XX/2023. This is the payment plan I requested to be put on after I was denied PSLF eligibility for my current employer. Mohela has no reason to place my account under this administrative forbearance and in doing so, has removed my auto debit and subsequently the 0.25 % interest rate deduction. Meaning I am paying and accruing more interest until this forbearance is lifted from my account, which I was told could take 45 days or longer. This HAS to be illegal placing someone on a forbearance against their will and STILL allowing higher interest rates to accrue. After being escalated to a supervisor, I was told it would be escalated to be removed quicker and still no explanation was provided why the processing/administrative forbearance was placed on my account when I was on the standard plan and did not apply for any other plan. Mohela needs to be investigated for predatory behavior and charging higher interest rates from forced forbearances. Furthermore, if an administrative forbearance was placed on my account on XX/XX/2023 according to the documents attached, HOW and WHY was auto debit still happening on XX/XX/2023? This makes NO SENSE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX I mailed a certified letter to Dillard's/ Wells Fargo . The letter explained the inaccurate reporting on my consumer report. According my consumer report from XXXX and XXXX this credit card account was charged off in XX/XX/XXXX. According to IRS Publication 4681 you must report canceled debt as gross income on your tax return. The lender must file Form 1099-C and send the consumer a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity. I never received Form 1099-C. Dillard's/Wells Fargo is in violation of 15 USC 1681 s-2. I requested my copy of Form 1099-C and the deletion of the account from my consumer reports. Dillard's/Wells Fargo responded with a letter dated XX/XX/XXXX in which they stated we are unable to complete your request because if can not be determined what information is in dispute. I resubmitted the letter I sent with highlighted areas of concern. Dillard's/Wells Fargo responded with a letter dated XX/XX/XXXX stating that the information is accurate. Dillard's/Wells Fargo did not provide accurate information necessary to validate my request.

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-24 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:
There is an unauthorized account from XXXX XXXX XXXX and XXXX XXXX XXXX Ive never had service with either of these companies and on XX/XX/2023 they reported a collection account in my credit report. This account does not belong to me and is unauthorized. There are also unauthorized inquiries from 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 2023-11-24 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:
There is an unauthorized account from XXXX XXXX XXXX and XXXX XXXX XXXX Ive never had service with either of these companies and on XX/XX/2023 they reported a collection account in my credit report. This account does not belong to me and is unauthorized. There are also unauthorized inquiries from XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
Ever since our home loan being switched to Mr. Cooper, we have had to call each month to request that they apply our funds correctly. Each month I receive harassing e-mails, text messages, phone calls, and voice messages throughout the work day stating we are late on our monthly mortgage payment. We are actually one month in advance of our payments ever since being moved back in XXXX of 2023. Our first payment was due XX/XX/2023 and to ensure that our payment would be on time started to make payments in XXXX. XX/XX/XXXX and then again at the end of XXXX to make the full payment for XX/XX/XXXX. Ever since making payments early and partially, Mr. Cooper has not been able to apply them to make a full and total payment each month and was being told each time I called to ask them to correct this, each representative, until today, has told me that it will be fine, they will make notes in the account and that there is NOT a penalty or issue with making early/partial payments. Today I was told that I am going to have this issue going forward and have to call EACH month, as the system does not apply it correctly. I tried to Confirm with XXXX XXXX at Mr. Cooper that I appreciate his honesty as this is the first person to state that this issue can not be corrected and will continue to happen and be harassed unless we make a separate account and hold the fund in our own account until we gather enough to make a full payment. Again, I reiterated that we are a month in advance of our home mortgage payments and was told that there is no penalty to making payments early or partial. He said I will continue to have this issue if I do not make a change. I shared that I am the customer and am doing my part to make my payments on time and early and I do not have thousands of dollars or access to their system to ensure my payments are being applied correctly and that is Mr. Cooper 's concern. I also am allowed to pay whatever amount I choose and whenever I choose. This is not something the company Mr. Cooper is to dictate to the customer. I have never had this issue with the previous lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Pyramiding of delinquency charges is illegal as outlined in the UDAPP. As evidenced in the attached speadsheet PNC bank has been pyramiding delinquency charges ( including late fees and interest ) on the XXXX. Tournaments credit card account. Had we known about this regulation when we filed the initial complaint this matter would have been resolved months ago. The CFPB should have caught this if they had reviewed the initial complaint. The initial complaint number was XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: AZ

Complaint narrative:
This company and the cellphone company in question were both included in bankruptcy that I had and I have never had another account with the cellphone company. The debt collection company sent a letter and I responded immediately with a debt validation and never received anything. What they did was put the collection on my credit reports without validating or sending me any of the information that I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2023-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: IL

Complaint narrative:
I transferred {$150.00} through the Discover Bank to them from my XXXX XXXX account to cover two outstanding amounts, an {$83.00} check to XXXX XXXX as they do not accept debit cards and a {$31.00} autopay to the IRS for my federal taxes. I was assured by the Discover rep that all was fine. This was done on XX/XX/2023 and I received confirmation from Discover that the money would be transferred by XX/XX/2023. I then received notice the transfer had been completed on XX/XX/2023 and then another email stating transfer was completed and money was in my Discover account days ago. Then today XX/XX/2023 I received a notice my account was overdrawn. I looked at my account and the money was showing deposited but they had returned the {$83.00} check!! Which means the business will now try to gouge me for $ XXXX {$50.00} in fees!! I called and spoke with two incompetent workers who did not do a thing but waste an hour of my day repeating what I said, then said they would transfer me to a supervisor, his name was XXXX and he was even worse! He made no attempts to just release the funds and pay the check but instead remarked sarcastically it can take up to 10 days for the funds to be available and since I have had several stop payments on the account I placed ( which were due to being cheated by others ), and a few payments returned over the last 15 mo due to having XXXX income while off work on unpaid medical leave from the State of IL XXXX after working XXXX hr weeks for the last six years and pandemic, it would probably take the full 10 days! I have already checked my XXXX XXXX account and the money has been taken so it is not there, it is at Discover and he acknowledged this, but they still are not giving me access to my funds and paying the check that came through!! I closed my two other accounts with Discover today due to this and will close this one too once these two payments clear. This so called manager is a joke!! He is incompetent and only seemed happy to close my accounts after 4 yrs!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: TN

Complaint narrative:
I was involved in a data breach and need this XXXX XXXX XXXX account removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 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: TX

Complaint narrative:
I ask XXXX, XXXX XXXX, Equifax to take bankruptcy off my credit report and they decline to take it off. Also the private credit ( XXXX, XXXX XXXX, Equifax ) reporting agencies are monetizing off my report. I very upset because my credit is effected, my family is suffering with this problem. I stress out and this has made me very XXXX  ... On the United States Bankruptcy Court Northern District of Texas does not report information to credit reporting agencies...... So they took my information to monetizing...... .this violated Fair Credit Reporting Act 15 U.S.C 1681 c ( a ) 1 XXXX account # XXXX # XXXX Equifax account # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
company called me 8 times within a 2 hour period on Tuesday XX/XX/XXXX with the first three calls being placed at XXXX XXXX and the last 2 being made at XXXX XXXX. on Wednesday XX/XX/XXXX, company called me 8 more times with the first call being made at XXXX XXXX  and the last being placed at XXXX XXXX. as of today ( XX/XX/XXXX ) I have recieved 3 more calls all occurring at XXXX XXXX. it is currently XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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:
I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I am not liable for this debt with I C System. I do not have a contract with IC System, they did not provide me with the original contract as requested.Years ago I did a trade in and switch Phone Providers in which they were suppose to pay the remaining account balance {$1400.00}

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 2023-11-24 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:
Hello, I am a Victim of Identity Theft. I discovered in XXXX that numerous accounts have been opened under my name that I didn't authorize and immediately began to try to correct it. I told Equifax about all the accounts that were a result of Identity Theft and showed numerous reports and evidence proving that I DIDNT OPEN THE ACCOUNT. On XX/XX/, I came to an agreement with the creditor and had to PAY to close out the account even though it was a result of Identity Theft. When speaking to the creditor, XXXX XXXX, they told me how Equifax didn't thoroughly investigate per the FCRA laws. The representative also commented how there are numerous inconsistencies to how Equifax is reporting the fraudulent account. Due to Equifax 's incapability of doing their job, I was forced out of my apartment due to an eviction. Had Equifax blocked the account like I asked them to MONTHS ago, I wouldn't be facing homelessness right now. I was denied lines of credit because of this ONE account. I am seeking civil litigation against Equifax and I demand compensation for their carelessness. They took full advantage of the situation and did not properly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 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: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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