vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2023 I sent a letter to Experian requesting that all inaccurate information pertaining to names, addresses, phone numbers, date of births, social security numbers and all ( alleged ) employers be permanently deleted from 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 non-monetary relief
Consumer complaint received 2023-08-26 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: FL

Complaint narrative:
Credit reporting company has a negative credit item on my report that is causing me to be denied credit. I have had this item disputed for years but they refuse to address this dispute. The credit reporting companies are discriminatory and should not exist or be allowed to be used for this purpose. They have no accountability and only serve to harm consumers.

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 2023-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MT

Complaint narrative:
On XX/XX/23 I was notified my loans qualified for PSLF with over 120 payments. It is now XX/XX/23 and my account has not been fully forgiven. I have served the public as a XXXX  worker during a pandemic risking my health and my families health and to be treated like this is insulting. MOHELA is not honoring the PSLF laws and processing they are advertising.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 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 asked equifax to delete a collection that was inaccurate, XXXX and XXXX  already have deleted because the collection was inaccurate. Equifax still saying is accurate, please delete. 

attached is a copy of my credit report so you can see that what im saying is true, i also attached equifax response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: WA

Complaint narrative:
Heritage home loans discriminated against me and my families loans and needs. From the very beginning of the loan we always felt like we werent getting fair treatment. They hardly communicated with us, took forever to answer back when they did and they were applying for programs without giving us a heads up or explaining them to us. I had applied with this company for a loan thinking I would get a usda loan and they told me I didnt qualify because income limits so they applied for XXXX XXXX for me which I appreciate, but they never communicated this with me that this was there planor explained to me how it works. So I finally got ahold of XXXX  with my friend XXXX XXXX on a 3 way call ( they work together ) and I was upset because lack of communication. Thats when XXXX let me know very clearly that doing this loan meant nothing to him because he was only making a few XXXX dollars off of my loan. Said he was only doing my loan because I was friends with XXXX 

I told my real estate agent all this and he asked me to get a second opinion on a loan. So I did and I found out that I do qualify for usda and that will save me a lot of money each month. The branch manager XXXX found out about this and contacted me through text and said he was withdrawing my loan. I asked him not to and he told me he doesnt play back and forth games. And told me he didnt have to do my loan. He did this because it was a way out of just doing my loan. It wasnt worth his time. He discriminated against me and my families financial and economical status. Now I am left with no loan on the table and I was suppose to be closing on this house XX/XX/XXXX The company that I found out I qualified for usda didnt have a loan secured for me just yet. It was still in underwriter review and still is. So hopefully I can get it because if I cant Im out all that money on the inspections and earnest money. 

He violated many rules and regulations. And I would like something done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Manhattan Beach Venture, LLC
State: PA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX -Completed limited waiver for all federal loans by XX/XX/XXXX -All loans forgiven on XX/XX/XXXX except for loan XXXX and XXXX, so called XXXX several times and finally got a supervisor who was very helpful and told me what happened to me was unfair and I have what is called hanging loans that should have been forgiven but for some reason were not. supervisor informed me to submit a complaint with DOE. I have sent several complaints to DOE who just say I need to reach out back to XXXX ( just getting run around ) back and forth. 
-I have two hanging loans that have been included with all my loans and forgiven and after they forgave all others they recalculated those loans and now I have to work another 8 years to consolidate those ( makes absolutely no sense ) -I have worked in XXXX XXXX  with qualifying employers for over 12 years.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-26 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Credit reporting company has a negative credit item on my report that is causing me to be denied credit. I have had this item disputed for years but they refuse to address this dispute. The credit reporting companies are discriminatory and should not exist or be allowed to be used for this purpose. They have no accountability and only serve to harm consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
My soon to be ex-wife took out several credit cards and loans out in my name and racked up around {$30000.00} worth of debt in my name. I currently have debt collectors trying to collect and my credit score is horrible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: VA

Complaint narrative:
Subject : Complaint regarding refusal to investigate and remove collection accounts Dear Sir/Madam, I am writing to express my deep dissatisfaction and frustration with the lack of action taken by credit bureaus in relation to the unjust reporting of two collection accounts on my credit report. Despite my diligent efforts to rectify this matter, the credit bureaus have consistently refused to investigate and remove these erroneous items from my credit report.

The collection accounts in question are associated with XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I have repeatedly requested proof of any contractual obligations between myself and this collection agency, but to my dismay, no evidence has been provided. It is important to note that I have no knowledge or recollection of any such contract, and therefore, I maintain that I am not obligated to this collection agency. 

Furthermore, XXXX XXXX has been inaccurately reported as an active account, despite the fact that it was actually charged off and reported to the IRS as a cancellation of debt. This cancellation of debt is clearly documented in my income tax records. It is both alarming and fraudulent for the company to have filed a cancellation of debt with the IRS, yet continue to report the account as active on my credit report. 

I kindly request that you take immediate action to investigate these matters thoroughly and remove these unjust items from my credit report. It is imperative that my credit history accurately reflects my financial responsibility and integrity. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate information on my credit report, and it is the responsibility of the credit bureaus to conduct a reasonable investigation into these disputes. I urge you to fulfill your obligations under the FCRA and ensure that my rights as a consumer are protected. 

I expect a prompt response within 30 days, as mandated by the FCRA. Failure to address this issue within the specified timeframe will leave me with no choice but to pursue legal remedies to protect my rights and rectify this situation. 

Thank you for your attention to this matter. I eagerly anticipate a swift resolution that will restore the accuracy of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 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: VA

Complaint narrative:
Subject : Complaint regarding refusal to investigate and remove collection accounts Dear Sir/Madam, I am writing to express my deep dissatisfaction and frustration with the lack of action taken by credit bureaus in relation to the unjust reporting of two collection accounts on my credit report. Despite my diligent efforts to rectify this matter, the credit bureaus have consistently refused to investigate and remove these erroneous items from my credit report.

The collection accounts in question are associated with XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have repeatedly requested proof of any contractual obligations between myself and this collection agency, but to my dismay, no evidence has been provided. It is important to note that I have no knowledge or recollection of any such contract, and therefore, I maintain that I am not obligated to this collection agency. 

Furthermore, XXXX XXXX has been inaccurately reported as an active account, despite the fact that it was actually charged off and reported to the IRS as a cancellation of debt. This cancellation of debt is clearly documented in my income tax records. It is both alarming and fraudulent for the company to have filed a cancellation of debt with the IRS, yet continue to report the account as active on my credit report. 

I kindly request that you take immediate action to investigate these matters thoroughly and remove these unjust items from my credit report. It is imperative that my credit history accurately reflects my financial responsibility and integrity. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate information on my credit report, and it is the responsibility of the credit bureaus to conduct a reasonable investigation into these disputes. I urge you to fulfill your obligations under the FCRA and ensure that my rights as a consumer are protected. 

I expect a prompt response within 30 days, as mandated by the FCRA. Failure to address this issue within the specified timeframe will leave me with no choice but to pursue legal remedies to protect my rights and rectify this situation. 

Thank you for your attention to this matter. I eagerly anticipate a swift resolution that will restore the accuracy of 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 non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
In early XXXX of 2023, {$25000.00} was stolen out of my equity line. I still have yet to be refunded by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Ref CFPB Case : XXXX Capital One stated that XXXX charge of {$530.00} was not fraudulent. However, it was proven in a court of law that XXXX charge was fraudulent. 

Per communications with Capital One, I clearly showed that XXXX charge was fraudulent. Yet, Capital One ignored the proof. Their claim that XXXX charge was not fraudulent was based on a XXXX  Statement, which upon closer examination supported my statement that XXXX charge was fraudulent. See attached This is what I sent to consumer finance protection bureau.docx, which I sent on my first complaint to CFPB. 

Capital Ones solution to the fraudulent charge was for me to take XXXX to court. 

Upon researching XXXX charge of {$530.00}, I discovered that they had previously fraudulently charged me twice, once for {$59.00} and once for {$250.00}. Therefore, when I took XXXX to court, I asked for {$59.00} + {$250.00} + {$530.00} = {$850.00}. 

This was a no-brainer : The court awarded me {$850.00} + {$89.00} in interest. Note : I did not ask for interest on the {$59.00} + {$250.00} + {$530.00} ; the court decide on their own to award me the {$89.00} in interest. 

Attached are the results of trial ( XXXX ) and a copy of the check that XXXX sent me ( XXXX  ). It should be noted that these two pdf files were sent with the first complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I applied for the " VISA Travel Advantage '' credit card issued by Comenity Capital Bank on XX/XX/23 because they had great benefits that I would be using, especially the " 3 % '' cash back award for " Travel ''. My family was going to incur a substantial travel trip of over {$11000.00} on XX/XX/23, so the award would be approximately {$340.00} based on the full charge. I made other charges and got the appropriate cash back credits for them, but never got the one for the above trip. 
I have called many times and every time they either said the system was down, or that it takes 6-8 days from the charge, or to wait one more billing cycle. I then started documenting this in numerous emails to them and again asking about my cash back award for this one charge. I received a bunch of computer bot generated responses again with the 6-8 days ( it is now 9 weeks ) or the system is down, etc.

To this date I have not received the {$340.00} cash back award and after seeing there were over 8000 negative reviews in the XXXX website I am very concerned and am filing this complaint in that regard. That is a lot of money to my family and I believe clear fraudulent activity is going on and that they plan on never awarding this money per their credit card agreement with the consumer ( me ). Please assist me with this issue. 
Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2023 I sent a letter to Trans Union complaints department to permanently delete any other names, addresses, phone numbers, social security numbers, birthdates and employers that infringe on my consumer rights or that is not true, correct or complete per FCR 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 2023-08-26 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: NM

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
I closed my XXXX XXXX account after 10 years and was told over and over by customer service my account was paid in full. I switched to XXXX for a few years then went back to XXXX XXXX due to service coverage for where I am stationed. I opened a new account and then a year and a half later I received a letter saying I owed an amount from 2019. I emailed the company asking for information to be mailed to me. I have someone at my house accepting my mail while I am out of state for school but there has been nothing sent to me by the company. It appeared on my credit report a few days ago without me being able to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: MA

Complaint narrative:
There are several inaccuracies being reported on this account throughout all the credit bureaus.

I have attached my most recent credit report for your reference.

Please correct this and remove from my credit file.

Account status Date opened High Credit Date last reported Date last active Equifax is still showing payment history past date of last active, how?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I am not requesting a Debt Verification Letter but rather a Debt Validation Letter, which is my right under the FDCPA. Please provide me with the following information regarding each of the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: NM

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have already sent a debt validation request to the collection agency as per my rights under the fair debt collection practices ( FDCPA ), 15 U.S.C 1692g, and I have yet to receive satisfactory proof that this debt is indeed mine. 

I request that you investigate this matter promptly and remove or correct the disputed information from my credit report if the creditor can not verify or validate the debt. The FCRA requires you to complete the invistagation within 30 days of receipt of the letter ( 15 U.S.C 1681i ) Account : XXXX XXXX XXXX Account Number : 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