vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I asked what was the minimum due on my account. Was told {$170.00}. It should have been {$170.00}. Customer service calculated incorrectly. Capital one made me thirty days past due for {$2.00}. I started getting alerts from Credit Bureaus. Called Capital One and was told that they had to report what was paid. They supposedly investigated it could not find any calls from me. I was told they would note my account with all details. I called back in about a month and no one could find any notes or that I had disputed this short payment. I was also notified that there was nothing they could do. I then called Capital one in XXXX XXXX XXXX, sending them a letter explaining the problem. I was then told I would have to write a letter ( no fax or email ) explaining the problem once again sending documentation from credit bureaus. Again I was told they had to report the way it was paid. What they seem to neglect is the fact that the information I was given was from Capital One, in good faith, that they knew what I owed. 
Why should my credit be ruined for two dollars when I was instructed by Capital One? This is their responsibility to give me correct information. If this has happened to me, it has happened to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquirie that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : Bank of America XXXX XXXX Reporting on XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2024-02-27 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: OH

Complaint narrative:
I have never had an account with XXXX XXXX, ACCT # XXXX, and have no knowledge of this account. Under Section 604 15 US Code 1681 B, it states you DO NOT have the right to report anything on my credit report. Under Section 605 A 15 US Code 1681 C-1, it states that with no consent, that equals identity theft. Please DELETE this account as soon as possible as it goes against my FCRA rights, as its showing a violation of HIPPA rights.

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 2024-02-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
I am getting emails texts and phone calls regarding a payday loan application. I did not do a payday loan. 

I have unsubscribed from the companies contacting requesting esign. 

I do not know how or who is applying for these loans in my name. 

No money has been received no signature obtained for a loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
XXXX, XXXX, XXXX : Please refer to Affidavit of Demand for Verification of Debt Uploaded here in CFPB. 
On XX/XX/2024 AMERIHOME MORTGAGE COMPANY , LLC were sent by way of USPS Certified Mail containing an Affidavit of Demand for Verification of Debt, but have Dishonored my wishes. 

Authorities, Maxims of Law : 1. IN COMMERCE FOR A MATTER TO BE RESOLVED MUST BE EXPRESSED.

2. ALL ARE EQUAL UNDER THE LAW.

3. IN COMMERCE TRUTH IS SOVEREIGN.

4. TRUTH IS EXPRESSED IN THE FORM OF AN AFFIDAVIT.

5. AN UNREBUTTED AFFIDAVIT STANDS AS TRUTH IN COMMERCE.

6. AN UNREBUTTED AFFIDAVIT BECOMES THE JUDGEMENT IN COMMERCE.

7. Legal Maxim : He who does not deny, admits.

8. Legal Maxim : A claim not contested stands true.

9. Legal Maxim : A claim brought in law that is not contested or rebutted, then stands true. Hence silence to a controversy is considered consent to any judgement.

Also see : Title 18 USC 876, 872, 875, 1341, 1346 ....

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 2024-02-27 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: PA

Complaint narrative:
Equifax XXXX and XXXX have devastated my life by allowing someone to commit identity theft I have complained multiple times to cfpb as well Im tired of this issue not getting fixed my credit need to be fixed and restored this goes against all laws and Im writing a letter to the senator to address this I cant live with poor credit caused by someone elses actions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
I am writing to address a persistent issue related to my student loan account, which has yet to be satisfactorily resolved despite multiple attempts to seek clarification through your customer service channels. I have received conflicting information on a series of phone calls and require immediate resolution. 

MOHELA made a billing error that occurred in XXXX and XXXX of XXXX, where a promised refund was not credited to my account. This was exacerbated by the inconsistent and contradictory information provided by customer service representatives during various phone conversations, in which some told me a refund had been mailed ( it never was ) and others told me it would be applied to my account ( it never was ). I am requesting the two months ' credit be applied to my student loans account immediately. 

For clarity, I would like to note that the administrative forbearance applied to my account for XXXX and XX/XX/XXXX is unrelated to the billing error in question. That forbearance was applied due to my application for the XXXXncome Drive Repayment Program, which is unrelated to the refund that was to be issued to me due to MOHELA 's error. 

In phone calls with customer service representatives in XXXX and XXXX of XXXX, I was provided with conflicting information regarding my XXXX payment status, a purported refund issuance, and the feasibility of applying a credit to my account. This lack of coherence in the information provided only adds to the frustration and confusion surrounding this matter. 

As per my understanding, I am entitled to a refund for the payments made in XXXX and XXXX of XXXX due to MOHELA 's billing error. I kindly request that this refund be promptly credited to my account and applied towards upcoming payments. Additionally, I request that these credited payments be considered as part of my Public Service Loan Forgiveness ( PSLF ) loan count, consistent with the two months of forbearance in XXXX and XXXX, as is required by the Department of Education. 

I kindly ask that MOHELA rectify the errors in my account promptly and provide me with a clear and accurate statement reflecting the corrected information. I appreciate your immediate attention to this matter and expect that these concerns will be addressed in a timely and efficient manner. 

Thank you for your cooperation in resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
Late payments are impacting my ability to reestablish credit and Ive maintained that online payment system is faulty. I couldnt afford to pay additional {$6.00} for phone assistance and the 2 late pays were beyond my control

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: OH

Complaint narrative:
I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After filing a complaint with the CFPB earlier this morning on XX/XX/2024, XXXX XXXX, responsible for resolving issues at Bank of America, called me twice. This marks the second time he has aggressively refused to refund {$400.00} in fees, reflecting the overall behavior of Bank of America staff. He insists on not compensating for their unprofessional conduct, demanding that I bear the consequences. 

The root of the problem lies in Bank of America 's irresponsible actions. They mailed unsolicited credit card promotional checks, providing inaccurate information about their usage. Despite calling three times for clarification before utilizing the promotional check online to pay my XXXX XXXX property tax, they failed to instruct me to first deposit the funds into my checking account and then proceed with the payment. Instead, they advised me to use it directly for online tax payments, leading to the current predicament. 

This issue squarely falls under the responsibility of Bank of America. However, XXXX XXXX remains adamant about not facilitating the resolution. I find it unacceptable that he aggressively dismisses the matter during our conversations. This is just one instance of Bank of America customers enduring unprofessional behavior and facing challenges due to their practices. 

I have faced numerous difficulties with Bank of America over the years, including receiving unwanted credit card issuances and mailings, as well as encountering issues with unclearly canceled credit accounts that resulted in me paying my credit card bill twice.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report XXXX XXXX XXXX XXXX ACCOUNT XXXX {$900.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXXXXXX {$420.00} XXXX XXXX XXXX XXXX XXXX {$740.00} XXXX 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.

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-02-27 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: OH

Complaint narrative:
I have never had an account with XXXX XXXX  ACCT # XXXX, and have no knowledge of this account. Under Section 604 15 US Code 1681 B, it states you DO NOT have the right to report anything on my credit report. Under Section 605 A 15 US Code 1681 C-1, it states that with no consent, that equals identity theft. Please DELETE this account as soon as possible as it goes against my FCRA rights, as its showing a violation of HIPPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: OH

Complaint narrative:
I have never had an account with XXXX XXXX ACCT # XXXX, and have no knowledge of this account. Under Section 604 15 US Code 1681 B, it states you DO NOT have the right to report anything on my credit report. Under Section 605 A 15 US Code 1681 C-1, it states that with no consent, that equals identity theft. Please DELETE this account as soon as possible as it goes against my FCRA rights, as its showing a violation of HIPPA rights.

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 2024-02-27 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2024-02-27 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: OH

Complaint narrative:
I have never had an account with XXXX XXXX, ACCT # XXXX, and have no knowledge of this account. Under Section 604 15 US Code 1681 B, it states you DO NOT have the right to report anything on my credit report. Under Section 605 A 15 US Code 1681 C-1, it states that with no consent, that equals identity theft. Please DELETE this account as soon as possible, as its a violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: OH

Complaint narrative:
I have never had an account with XXXX XXXX, ACCT # XXXX, and have no knowledge of this account. Under Section 604 15 US Code 1681 B, it states you DO NOT have the right to report anything on my credit report. Under Section 605 A 15 US Code 1681 C-1, it states that with no consent, that equals identity theft. Please DELETE this account as soon as possible, as its a violation of my consumer rights.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: OK

Complaint narrative:
I have been disputing these negative items on my consumer report to no avail, I've requested the credit reporting agencies to send me proof that validates this debt is mine. I have yet to receive any response let alone proof or the proper documentation. I was told that I could file a complaint with the CFPB and you guys would be able to help me in this matter. 

I have attached the letters and the accounts that I am requesting to be removed down below in the attachments section

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 2024-02-27 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: OK

Complaint narrative:
I have been disputing these negative items on my consumer report to no avail, I've requested the credit reporting agencies to send me proof that validates this debt is mine. I have yet to receive any response let alone proof or the proper documentation. I was told that I could file a complaint with the CFPB and you guys would be able to help me in this matter. 

I have attached the letters and the accounts that I am requesting to be removed down below in the attachments section

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: PNC Bank N.A.
State: NM

Complaint narrative:
In accordance with the fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy. ( 15 USC 1681 ( section 604 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: NY

Complaint narrative:
Greetings, My name is XXXX XXXX, I am currently writing a complaint regarding the credit reporting agencies reporting inaccurately. Experian XXXX XXXX and all other consumer reporting agencies. Please see attachments. 

Please remove all addresses that are not my main residence. XXXX XXXX XXXX XXXX NY XXXX Also, remove all misspellings of my name. It is XXXX XXXX XXXX, not All these names listed on the report. Attached is my Drivers license as well. Id greatly appreciate these efforts to be executed within ten days, as its been over a month since Ive sent the letters via certified mail. 

Also please honor all on time payments, As Any credit reporting regardless of on time payments is still a violation of privacy. Privacy Act of 1974 prohibits. Monetary relief is requested upon this claim for all CCTs reported. including the reporting of XXXX XXXXXXXX bankruptcy XX/XX/XXXX and XXXX  XXXX bankruptcy XX/XX/XXXX, continues to report. Ive Never given any written or authorization to report. This is heavily in my way of utilizing the full faith and credit the United States backs me with. 

Refer to : 15 U.S. Code 1681a - Definitions ; rules of construction 2. EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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