vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
All three credit agencies refuse to ad my personal statement to my credit report they must by law place my statement exactly as I right it and not change a word or block out any words I want them to add this statement EXACTLY AS IT IS AND AS IT SAYS The following two accounts XXXX XXXX and XXXX XXXX are both invalidation of Sec. 623. ( a ) ( 1 ) ( A ) reporting a balance and in collections on a debt they both canceled with a 1099c and all taxes were paid. The balance of both debts should read {$0.00} Status of debt should read Canceled 1099c and not in collections Court case In re Lukaszka, 2017 WL 273516 ) proves they must zero the balance and report canceled debt and not in collections

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: Experian Information Solutions Inc.
State: SC

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I lost my personal items which included a few other cards on XX/XX/2023. The last time I used my vystar card was XX/XX/2023 at XXXX. I didn't make any other purchases or use of my vystar account. I utilized cash for other purchases. That day. Upon heading to work on XX/XX/23 to put gas in vehicle. I called vystar XXXX XXXX number spoke to representative and informed I didn't have my cards to try and cancel them. I wasn't able to get into online account. Representative said automatic system had detected fraud and already had canceled card and locked account. I informed representative that I will be coming into bank immediately after work around XXXX on XX/XX/XXXX. However that was not the case with vystar credit union. They allowed these persons to make all kind if activity with account. From withdrawals in other cities, deposits of checks, money orders etc. Vystar even let the thieves open up a credit card and another checking account. The persons committing fraud had access to my account and called vystar themselves. In which I was unable to do being that it was supposed to be my account.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my consumer report and noticed an inaccurate account that was charged off account and it was charged off as bad debt in XXXX of XXXX and the account was opened XX/XX/XXXX with XXXX XXXX XXXX XXXX the account is currently closed and has no balance due. This account has been affecting my credit negatively. Balance reported on charged-off account without receipt of Form 1099-C by consumer, suggesting debt should be voided. Request update to a {$0.00} balance as per FCRA regulations.

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: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: MO

Complaint narrative:
On XX/XX/2023 Crosscountry Mortgage, Escrow office told me that we owe {$3100.00} to Escrow for the Home Owners Insurance payments to these two Companies, do to the fact that we changed Insurance Companies from XXXX XXXX to XXXX XXXX and back to XXXX, I had to cancel my pollicy with XXXX XXXX do too many fee increeses with in few days and went back to XXXX XXXX. When we received the Refunds from XXXX and XXXX XXXX, I called Escrow to verify The amount we were owing, i was told that the immediate payment needed was {$1400.00} somthing, we transfer from our bank directly to Crosscountry Escrow the refund money {$3.00}, XXXX that we received to cover all that we owed. Now we are short in Escrow Our monthly payment mortgage went up {$200.00} and they do not know what happened wit our {$3200.00} money! We need Help,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NV

Complaint narrative:
I had a student loan with Great Lakes and when I called to let them know about my financial situation and that I was working for a State Agency, they recommended over and over to apply for forbearance and deferment. When I asked them about applying for the Public Service Loan Forgiveness program they advised I didn't qualify for that ( even though I worked for a state agency that does qualify ) and that it would be best to do the forbearance or deferment options. I mentioned I wanted to pay my loans but I just needed to reduce the monthly cost not defer them. They stated I wouldn't qualify for an Income-Driven Plan at that point and to defer the plan. So I went ahead and deferred the plan and then went into forbearance when directed. Finally, I spoke with someone else at Great Lakes ( after doing forbearance and deferment ) and they stated that I would have qualified for Public Service Loan Forgiveness and also for Income-Driven and they set it up, but then it was already a few years too late as all that time in forbearance and deferment should have been on the income-driven plan and public service loan forgiveness plans. This caused a lot of financial hard-ship now as now I have to try to get all those months to count that should have already been counted as I was willing to pay just needed the reduced amount due to my income.

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: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
The company named Current fraudulantly opened a credit card in my name on or about XX/XX/XXXX without checking the credit bureau and I was notified by my identity monitoring service named XXXX XXXX on XX/XX/XXXX by email where I immediately utilized XXXX XXXX to contact the company named Current to close that fraudulent account. I also notified the XXXX Police Department and FTC about the theft. The company named Current responded that they did not need to check the credit bureau before opening that fraudulent credit card account. The problem with that is that I have a security alert and credit freeze on all my credit bureau accounts. The fraudulent account is located on XXXX. The company named Current spoke with XXXX XXXX and me and confirmed that they would close the account. They also emailed that they would close the account and that they did not have to contact the credit bureau to open a credit card account in my name. If they did check my credit reports they would see the security alert to contact my cell and not issue any credit card. That did not happen and this fraud was executed against my identity wrongfully. I contacted the XXXX and disputed it. It was appalling to see that XXXX wrongfully said that the fraudulent information on my credit report as reported by Current was accurate. I complained to XXXX on Live Chat and they said to re-dispute. What Current did in opening a credit card in my name without checking the credit bureau was criminal and I did report it to the XXXX Police and the FTC. Current said they were not required to check my credit report. THE PROBLEM WITH THIS IS THAT I HAVE A CREDIT FREEZE ON ALL THREE BUREAUS and XXXX has not honored my credit freeze and security alert. THIS WAS WRONG FOR XXXX TO STATE SOMETHING ILLEGALLY OBTAINED BY THE COMPANY NAMED " Current '' t AGAINST MY NAME WAS ACCURATE. It was never accurate. It was theft of my identity to fraudulently open a credit card by unknown persons. They are wrongfully approving as accurate an account initiated in Fraud by Current without my approval. I am an identity theft victim and still have the 7-year credit freeze before this. It is active. XXXX knew better but decided to do wrong also. Please correct this

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 — Trouble with how payments are being handled
Company: MOHELA
State: OR

Complaint narrative:
MOHELA has repeatedly failed to abide by the federal statutes and regulations surrounding debt collection and the rights of debtors. This is an ongoing issue that they seem to have no interest in correcting. 

In XXXX of XXXX, they failed to send billing statements with the legally required 20 days notice. I was able to make my payment, but only barely, as I only had 3 days notice that payments were resuming. 

In XXXX of XXXX, the same thing occurred. They failed to provide notice for the resumption payment dates, and I barely made my payment with only 5 days notice. 

In XXXX of XXXX, they became even more blatant. On XX/XX/XXXX, I made a payment in the amount owed of {$250.00}. On XX/XX/XXXX, MOHELA sent me a message declining the payment and stating that I was past due. 

Now, they are attempting to double-charge me by refusing to accept the payment unless it is coupled with XXXX payment.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my consumer reports and noticed there was a closed account by the name of XXXX, the account has inaccuracies reported account is currently paid off and closed and has been affecting my credit negatively.

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: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
PHH MORTGAGES SERVICES
Payment never 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 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: PA

Complaint narrative:
I have not been able to satisfactorily settle this matter with the CRAs. I have a late payment on my XXXX XXXX Credit Card. I have never been late. This is an error. The account number is XXXX and the date is XXXX of 2023. This is not the only error on my account either. There is inconsistencies throughout my report. For example : The Date Opened is inconsistent across all 3 bureaus. The High Credit is inconsistent across all 3 bureaus. The Last Reported is inconsistent across all 3 bureaus. The Date Last Active is inconsistent across all 3 bureaus. Finally, the Date of Last Payment is inconsistent across all 3 bureaus. I have provided documentation of this.

My rights according the the FCRA and 15 U.S.C Code 1681e -Compliance Procedures- is to at a very least have 100 % accurate and consistent reporting to my consumer file.

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have not been able to satisfactorily settle this matter with the CRAs. I have a late payment on my XXXX XXXX Credit Card. I have never been late. This is an error. The account number is XXXX and the date is XXXX of 2023. This is not the only error on my account either. There is inconsistencies throughout my report. For example : The Date Opened is inconsistent across all 3 bureaus. The High Credit is inconsistent across all 3 bureaus. The Last Reported is inconsistent across all 3 bureaus. The Date Last Active is inconsistent across all 3 bureaus. Finally, the Date of Last Payment is inconsistent across all 3 bureaus. I have provided documentation of this.

My rights according the the FCRA and 15 U.S.C Code 1681e -Compliance Procedures- is to at a very least have 100 % accurate and consistent reporting to my consumer file.

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I hope this letter reaches you in good health and spirit. The reason for my letter is Im want to set up my payments on autopay with my credit card. I was told by the manager XXXX at XXXX I would be able to so others must be able too. I feel discriminated against because Im not able to set my account up on autopay for my {$130.00} payment to come off my credit card. My credit is great and I have always paid my bills on time. It shouldnt be no reason why I can not set up my account on autopay using my credit except that your discriminating against me. This needs to be fixed its not fair for others to be able to use their credit card and Im not able to thats very discriminatory. Can you please fix my account? Thank you very much for your time. Have a wonderful day and please continue to be safe.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I open a checking account in bank of america and I was trying to transfer money from this checking account to other personal checking account in a different bank and they cancelled twice. The second time I call to ensure I was doing this right and the representative said that everything was ok. the next day I received a message saying that the transfer got cancelled. I tried to access my account online and I couldn't access either, then i decided to go directly to the branch, purchase a check and deposit myself in my account. After spending over 5 hours in the phone ( literally ) an agent mentioned that the fraud department added a block. Bank of America hold my money due to this " fraud '' blocked they added. I'm frustrated as nobody can fix this issue. Today is Saturday, which means the situation is not going to be addressed until Tuesday as Monday is a Holiday. I'm demanding Bank of America to pay back the fee their charged for the official check as all this situation is their fault. There is not fraud, just a mess in their side and they are holding my money which it has regulatory implications ; not only UDAAP ( misleading the client with confusing information in their online banking and holding my money ), funds availability Reg CC ( holding the funds availability due to their own fraud block ), and potentially Reg. E ( not completing a electronic transaction as I requested ). While I'm writing this email, I'm still in hold so we go now to 6 hours. Unbelievable.

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Paypal advertises a XXXX transfer limit on cryptocurrencies to external wallets. In practice, they are limiting this amount by an unknown and arbitrary number unless customers elect to pay them extra money to convert their cryptocurrency into USD. This amount decreased with each transfer attempt so without knowing the limit a customer can not accurately guess what it is. Called about this issue and customer service suggested I wait 3 days for the system to reset to attempt again with no guarantee of success of transfer or pay Paypal to convert the cryptocurrency to USD. This is false advertising and unlawfully restricting customers from their funds en masse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have disputes this debt with all three credit bureaus. Portfolio Recovery failed to notify me about this debt when first purchased from the original creditor with in five days to validate this debt. I have asked for the initial contacts letter mail to inform me about this debt refused instead sent me a bill which doesnt validate a debt. I have asked for the Purchase Agreement to verify the accuracy of the information and debt and demographic. Portfolio Recovery refused Im requesting the following initial contact letter inform me about the debt and the Purchase Agreement to verify the accuracy.

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 — Account status incorrect
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Due to financial hardship there was a flood in my home thus resulting in late on my XXXX payment which was made on XXXX second. I made XXXX payment on XX/XX/year> which is the last date before the account is considered late for XXXX. I received notification from XXXX that my account was 30 days delinquent which is incorrect it was current as of XX/XX/year> and the following payment for XXXX was received less than 13 days later. I respectfully request my credit report be amended to current as all payments were received. I called Freedom Mortgage on XX/XX/year> to address the incorrect reporting on my credit report and XXXX the representative would not listen to me or address my concerns. I asked to speak with a supervisor was told she would transfer me and instead they kept me on hold and then hung up the call. Which I encourage them to pull the call as all calls are recorded for quality assurance and monitoring. The representative was very rude and unprofessional and didnt address my concerns or create a ticket to address my concerns. This resulting in needing to file a complaint. This XXXX payment will hinder my progress with closing/selling my home in the next three weeks thus resulting in impending homelessness.

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: 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: 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: SC

Complaint narrative:
I have submitted a complaint with you all regarding this company on the XXXX and today they have already updated my dispute. But i see they havent responded to yall about my complaint yet. They verified it as accurate. And still has not sent their method of verification Ive asked for over 45 days ago. They are reporting unverified accounts as accurate and wont show how they came to this conclusion.

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