vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: Grain Technology, Inc.
State: NC

Complaint narrative:
Under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, I am asserting my unequivocal right to opt-out of the sharing of my nonpublic personal information with nonaffiliated third parties i.e XXXX, XXXX, and XXXX, as allowed by law. 

In addition to this opt-out demand, I instruct and demand that you take immediate action to remove any nonpublic personal information that may have already been disclosed to the said third parties. This includes, but is not limited to, any information shared since the inception of my relationship with your company. 

As a diligent consumer, I am concerned about the privacy and security of my personal information as your company is questionable as it pertains to the legality of the lending as there have been an abundance of fraud reports. This is not a matter to be taken lightly, and I trust that you understand the serious implications of noncompliance with this opt out demand notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HANCOCK WHITNEY BANK
State: TX

Complaint narrative:
On XXXX XX/XX/XXXX XXXX I tried to open Hancock whitney checking account online using a promotion. It requires {$25.00} deposit from another bank. I tried to transfer {$25.00} from other checking account - one from XXXX XXXX and another from XXXX. It failed. I also tried to transfer from debit card but it didn't worked. 
Today I called Hancock whitney, they transferred me to online/digital team but they were also of no help. Only suggestion/help - to drive almost 20 miles to go to their branch to do this work. It's ridiculous that as a bank- Hancock whitney doesn't know how to do ACH or debit card transactions? 
Moreover- why not open the account and then ask customer to find it later ( within a week or so ). Other banks are efficient- i can always push {$25.00} from my other bank account to this newly opened bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: GA

Complaint narrative:
The account in question is listed as a charge-off. Charge-offs are considered Certificates of Indebtedness pursuant to IRS Publication 4681 ( 1. ) Canceled Debts, which means it is income and must be removed as income can not be reported in a consumer report, especially when the income reported does not belong to me as the consumer. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation. My Account Names and Numbers : 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 explanation
Consumer complaint received 2023-12-11 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: GA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: OH

Complaint narrative:
This is harassment and for a minor debt that I thought was resolved through discussions with XXXX XXXX XXXX XXXX Customer Service and then these collection agencies continue to harass me. 

I.C. System XXXX XXXX XXXX XXXX XXXX, MN XXXX Credit dispute for XXXX XXXX XXXX XXXX account closed in early XX/XX/XXXX. 

This is the second or third collection agency assigned to this matter which is disputed for the third or fourth time. 

I closed the account when transferring our cell phones ( and XXXX XXXX  ) from XXXX XXXX XXXX to XXXX. Everything seemed fine until XXXX of XXXX when I got an automatic payment to XXXX XXXX XXXX for {$87.00}. Since the account ( I thought ) had been closed and made final payment in XXXX, I called XXXX XXXX XXXX to discuss the charge for {$87.00} This occurred in approximately XX/XX/XXXX. It was then that I determined that during the transition from XXXX XXXX XXXX to XXXX that XXXX of the iPhones was still active on the XXXX & XXXX network even though it was active on the XXXX network. 

In discussing the account with XXXX XXXX XXXX customer service, they indicated that I should contest through the credit card company which I did. XXXX XXXX refunded the {$87.00} to me. 

Then XXXX XXXX XXXX contested and rebilled the automated payment by XXXX XXXX. I then got XXXX XXXX to refund the {$87.00} again and prevented XXXX XXXX XXXX from being able to bill through the automated payment process. 

After talking again to XXXX XXXX XXXX Customer service, they indicated that they could not refund my {$87.00} because the account was closed and therefore, they could not process a refund. They told me to go through my Credit card company to process the refund which I did. 

XXXX & XXXX still tried to collect the {$87.00}. This obviously is a minor payment all things considered but it is the principle that I have decided to stop a Large company from continuing trying to collect money which even their Customer service admitted their own system could not process the refund. 

Some months later XXXX XXXX XXXX turned this over to a collection agency and called repeatedly over many months. After talking to them, I told them all about this process and referred them back to XXXX XXXX XXXX customer service since this all had to be in the notes regarding this account. 

From what I see the dispute was posted to my credit in XX/XX/XXXX. This was almost a year after this whole process started. 

I hope this provides enough information to get this expunged from my credit. I will be pursuing this and reporting it thru the www.cfpb.gov/debt-collection system. Please stop contacting me. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Around XXXX was stolen from my account by someone I know. I filed a police report and kept in contact with capital one offering to provide them any information they needed. They just declined my claim due to login history on my account when that has nothing to do with it and my card and information was accessed unauthorized by a former roommate. Capital one is refusing to hold up their fraud protection and conducted a one-sided investigation without seeking to ascertain more information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2023-12-11 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: MO

Complaint narrative:
MOHELA is claiming that I missed a payment that they had already assured me would not be due. In XX/XX/2023, they tried to switch my loans from the REPAYE income-driven repayment ( XXXX ) plan to the XXXX plan ( a different IDR that replaced REPAYE ). But MOHELA processed the switch incorrectly and only switched the payment plan for XXXX of my eleven loans, and then tried to bill me for the full amount of a standard non-IDR plan for my payment due XX/XX/XXXX. I called MOHELA to sort out that problem, because at the time their website was telling me that my loans were somehow simultaneously in forbearance and had a full non-IDR payment due on the first of the month ( over {$1000.00}, as opposed to the XXXX XXXX XXXX  monthly payment I should owe under an income-driven plan ). I then called MOHELA to sort that out, and the representative I spoke to told me that the amount due shown on the website for XX/XX/XXXX was an error, and the loans were in fact in a forbearance while MOHELA got all of my loans onto the correct repayment plan. This representative told me that I didn't have a balance due on XX/XX/XXXX, and that I wouldn't be penalized because of their website error showing that I had that payment due while my loans were listed as in forbearance. Now, all of the loans have been put on the correct plan ( the XXXX plan ), and my amount due shown for XX/XX/XXXX looks correct, but MOHELA is telling me that I missed the XX/XX/XXXX payment that they had already assured me wouldn't be due while they sorted out their own incorrect processing of my loans ' switch from XXXX to the XXXX repayment plan. I can afford to pay them the {$230.00} they say I'm behind, but I will not tolerate them reporting or recording that I missed a payment, after their own representatives told me that the bill for that payment was in error and I didn't owe anything on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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 did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no know of any of these accounts due to the Equifax XXXX XXXX data breaches/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B, this information must be blocked immediately until the investigation is over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mendelson Law Firm
State: TN

Complaint narrative:
I moved from my previous address of XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX a year ago. Today XX/XX/2023 I received a phone call from a law office of Mendelson Law Firm XXXX informing me that XXXX and company is trying to charge me for a drywall problem, carpet, trash and other miscellaneous issues. First, of all the trash I had a feeling about because I still drove past my old house after I moved and people was putting trash in front of the yard and around the house. Secondly, I call the company after I returned my keys because someone was going into the house and I wanted to let them know. I was staying in that home for XXXX  years and I have asked repeatedly to get new carpet or pull it up and all they did was put new carpet on the stairs. I had to rent carpet cleaning machines to try my best to clean that carpet. The drywall issues came from plumbing issues causing a hole to constantly be in the garage because of the leaking in the bathrooms. I am no longer able to log into the portal so I can show proof of constantly putting tickets in about that issue but I do have a picture and video. I dont get my deposit back for the house because I figured with all the trash out front they would charge me for that. But anything else I am not responsible for and no one tried to contact me before today with this issue. I always paid my rent and never was a bad tenant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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:
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. According to 15 U.S.C 1681a ( 2 ) ( B ) and 15 U.S.C 1666 ( B ), I have a right to privacy and did not consent to any information pertaining to late payments being reported on my consumer report. Reporting late payments is unlawful/illegal.

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 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: PR

Complaint narrative:
On XX/XX/XXXX, the balance of XXXX transactions on my Apple Card, managed by Goldman Sachs, was to be fully paid and settled. XXXX XXXXXXXX, the bank in charge of my checking account, failed to send a payment claiming insufficient funds. However, there were sufficient funds to cover the transaction. I immediatly tried to send an additional payment through the apple card app, but it would not allow it, until the transaction was fully rejected. Thus, I was charged interest on the XXXX and XXXX transactions, as per the terms and conditions. I complaint to both XXXX XXXXXXXX and Goldman Sachs as this was outside of my control, and I immediatly had posted pay as soon as the Apple Card app allowed it on XX/XX/XXXX. Goldman Sachs credited only {$25.00} of the {$120.00} charged. As per terms and conditions, I reinstated authorization of automatic full monthly balance payments. The terms state that by the next due date ( XX/XX/XXXX ) as long as the XXXX balance, along with the declined payment of XXXX ( due XX/XX/XXXX ) and the interest charges were paid, the grace period would be reinstated. This time, the Apple Card app, failed to cover the monthly balance including the interest charge as authorized by me, the user. Interest was charged again for the amount of {$80.00}. By XX/XX/XXXX, I paid fully the XXXX balance, plus the interests, which were still in dispute. I had opened several cases and had several calls and text conversations with Goldman Sachs customer service department. Including high level supervisors, which claim they are clueless as to why I am being charged, but that they refuse to credit the account. On XX/XX/XXXX, interest was charged again on the amount of {$38.00}. As per terms and conditions, once all monthly balances and interest are paid in full by due date, grace period is reinstated for the running month. As a user, I fulfilled all responsibilties of authorizing the application for full monthly balances on due date, which include all corresponding interest charges for each period. Both XXXX XXXXXXXX  and Goldman Sachs have been negligent in their responsibilities to fulfill and settle transactions on my behalf, as formally authorized via their respective digital platforms. I was held unfairly, and perhaps fradulently ( at least for the last charge ), accountible for these errors and charged interest for which I expect full credit on my account. In conclusion, Goldman Sachs is violating their own terms and conditions, for interest charges posted on XX/XX/XXXX and XX/XX/XXXX, as I have abide by the rules of payment authorization and settlement of full monthly balances by their respective due dates. Yet grace periods are not being honored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have hard inquires on my credit report that I didn't authorize and I don't recognize. 

Processional Financial # XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation