vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-09 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: NJ

Complaint narrative:
IN ACCORDANCE WITH FRCA THIS CREDITOR XXXX/XXXX  XXXX XXXX HAVE VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS LASTLY UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS 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 2024-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX, I logged in to my American Express High Yield Savings Account ( HYSA ) via the URL personalsavings.americanexpress.com, with the intention of changing the password. 

I have a credit card with them also. These 2 accounts have entirely different usernames and passwords. If I log in to the credit card account via URL americanexpress.com, because it's " linked '' to the HYSA, I can access the HYSA account there too. 

The issue is that when logged into the HYSA directly, I could not change the password. So I called for support, and they initiated a change to the credit card account password, which was successful. I explained this is not what I'm trying to do, rather, to change password on the HYSA direct logon, which was not available online, and not complete. 

Turns out that American Express is in process of modifying their online interfaces in a way that PRECLUDES a password change on the HYSA. Yet I can still log into it with old credentials, see the balances, and download transaction history. Furthermore, I asked about when the transition work would be complete to resolve this issue, but no estimated date could be provided. 

American Express represented to me that because I could not initiate transactions via the direct HYSA login, it's not a security issue. I disagree. I charge that American Express is improperly handling credentials related to HYSAs by disabling ability to change a working password.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: PA

Complaint narrative:
On XX/XX/XXXX I was informed by email that my XXXX XXXX Loan as serviced by MOHELA would be transitioning to their new website on XX/XX/XXXX. As a result, I would not be able to pay, view my balance, or conduct any business with my loan online until it had " transitioned '' to the new website. During this period my loan was to still accrue interest and a definitive date of " transition '' was not listed. MOHELA said that I would likely regain access " approximately XXXX weeks after XX/XX/XXXX ''. My loans fully " transitioned '' on XX/XX/XXXX and showed no breakdown of interest and principal. Interest had clearly occurred but there was nothing showing exactly how much interest. 

Upon trying to pay on this new website, there was still nothing showing the amount of interest vs. principal, just one sum. On XX/XX/XXXX, I called to ask about this and was on the phone for two hours. The woman I spoke with did not resolve the situation and then hung up. She stated she would backdate the interest to before the transition period -- this did not happen. 

For two more days I waited to see if my loan details and breakdown would be fixed -- or if interest would be backdated. This did not occur. On XX/XX/XXXX I made a payment of {$10000.00} from a balance of ~ {$20000.00}. I received email confirmation and a confirmation number for this payment. Additionally, the MOHELA portal even displayed this payment as pending after being submitted. A picture of this is attached. Now, there is no record on the portal of such payment. 

Today, XX/XX/XXXX, I went to check my loans. The online portal has no record of a payment and my balance is now {$20000.00}. My payment was clearly not recognized and interest is still continuing to accrue rapidly. The funds for this payment left my bank account on XX/XX/XXXX. My payment received confirmation and the money has been transferred to MOHELA, but it is not reflected and interest is continuing to accrue as though a payment was never made. 

Despite multiple attempts to contact MOHELA I have received no help whatsoever. This certainly must be illegal and I am clearly losing money in an unfair fashion and spending countless hours attempting to rectify this manner. MOHELA is simply a reckless and unaccountable steward of FEDERAL LOANS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MI

Complaint narrative:
I have had a Discover card for many years. It is not primary credit card, but used occasionally. On XX/XX/2024, I received a notice that my account had been closed. 

In calling the company to find out why, they claimed they had sent a physical letter about inactivity on the account in XXXX, which I did not receive. They did not attempt to contact me via email, phone, or the account center. Closing an account like this affects a consumer 's credit score ; doing this with such minimal effort on the part of the company, despite all of the effort they put into their marketing, is ridiculous. They should not be allowed to close an account by simply sending a physical letter that they can not verify the account holder received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: MD

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The account was in a negative static and i paid the account in full in then and the account haven update. there is XXXX different company 's that I was redirected to report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the original company XXXX XXXX. This account is continuing to being sold to other agencies even after it has been paid in full. 

The account was paid in full in XX/XX/XXXX, As shown on the payment conformation letter that I am uploading. However the last payment date on the credit report is showing for XX/XX/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 2024-02-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Mitigation Services, LLC
State: UT

Complaint narrative:
I have a payment arrangement with this company. I have made all of my payments since the arrangement started in XXXX of XXXX. 

In that time, however, I have had to call to schedule payments etc. at times because I have several arrangements, and sometimes my cash flow warrants making changes, especially at the beginning of the month when rent is due. 

On XX/XX/XXXX, I called the company and asked about making a reduced payment, and the company obliged to restructuring my plan to {$74.00} a month. I was told at this time, that this would be the last time I could modify a payment ( which I think is wrong as well ) whether I could afford it or not. 

So today, XX/XX/XXXX, was my next payment due. After rent, insurance, groceries etc. I didn't have the funds to pay it. I didn't call ahead of time to ask to reschedule, because based on the comments from XXXX weeks ago, it would not be honored. 

Of course today 's payment was going to be unsuccessful ; the company sent me a text at XXXX this morning advising of this and requesting I make a payment. I also received an email. They also called my sister ( which I feel is unprofessional and unnecessary ), even before giving me a chance to respond ; and it is because of this tactic that I am filing this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Original creditor sold account, my personal information ( social security number, birth date, address, phone number, and full name ) to another company without my approval or knowledge. I then called original credit to ask questions about account such as was account sold would not answer my question, why was my personal information was sold again didnt answer question, can I receive a original contact and I was told they no longer own the account and have no information that they can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I reached out to Capital One pertaining to a late payment that is showing up on my credit report for XX/XX/2023. At first I was told that I should not have anything showing late because I was never 30 days late and I should see that falling off within 30 days. So, I waited. I called back again to confirm that information I was given and this time the representative stated i had been 30 days late back in XX/XX/2023. I told her what was going on in that month as far as getting our nephew out of XXXX XXXX, me having to cut hours at work due to not expecting a toddler to show up at our door steps and then on top of that we had planned a wedding that was in XXXX, so I was not going to deny I could have fell behind. The representative informed me to write a goodwill letter and gave me all the information to put on it such a acct number, social, and a detailed explanation on why I was late. She even gave me a PO in XXXX XXXX XXXX to send it to. A few weeks went by and I had not heard anything regarding the decision for this to be removed off my report so, I reached out to capital one again. To my surprise they had no idea what I was talking about. The lady I spoke to this time around had never heard of a good will letter, but was familiar with the address I was given to send it to. This representative spent over 30 min trying to get me to the right department to see how I could get some help, and i finally got to the department that I thought would be able to assist. She spent less than a min on the phone with me and stated you don't qualify for this to be removed or for you to be able to pay the late fees to get it removed. I asked why and her exact words were " you just don't '' I am pretty sure all conversations are recorded, I got off that call defeated because i really work hard on my credit and to pay my bills on time and I have never been late before or after that event, and to be given the run around like that was truly disappointing. I don't know if anything can be done, but i still wanted to express my experience with capital one customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a formal complaint for XXXX, XXXX and EQUIFAX to stop reporting my transaction history as it is in direct violation of FCRA and 5 USC 522a which protect my right to privacy.

It is clearly stated in : 15 USC 1681a : Definitions and Exclusions, transaction history on my consumer credit accounts is not to be reported, as it is also clearly covered in the Privacy Act of 1974. 

I have never given said agencies permission to report such information. If XXXX, XXXX, EQUIFAX somehow obtained my authorization through direct communication with me, I formally fully withdraw any and all authorization I may have given XXXX, XXXX, and EQUIFAX. 

Any authorization provided or obtained by third parties, such as the security transfer agents listed above, written, non-written, verbal, non-verbal to report my transaction history is null and void as it is against the law. 

It seems XXXX, XXXX and EQUIFAX have a blatant disregard for the law and I am requesting the CFPBs help to uphold the law in regards to my transaction history and to see that is removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: FC HoldCo LLC
State: KS

Complaint narrative:
There are inquiries from this company that I didnt make this is Fraudulent

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 2024-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: NJ

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: OneMain Finance Corporation
State: IN

Complaint narrative:
I received a Promotional Offer from OneMain Financial an when I went online to review what amount was being offered, a screeen popped up and published the following info : Looking up your offer won't affect your credit score. I reached out to OneMain Financial and I was told to provide my Bank Stmts, and I told them No. I was then told the offer I qualified for was denied, because I did not provide my Bank Stmts. I retrived my XXXX Credit Report and was I had a Hard Inquiry on my Credit Report and I lost 2 points. 

I filed a compliant with XXXX, and they informed me that OneMain Financial refused to remove the Hard Inquiry. Please see the following documents attached : OneMain Financial Promotional Offer ; the published notice that my credit would not be effected ; the Offer from OneMain Financial, and the response from XXXX. 

OneMain Financial is publishing false information, to Consumers, and effecting their Credit, they are also requiring Bank Statements, that they are not entitled to, if they want to verify Income, or as I was told a Mortgage Payment, they should have reached out to the IRS or my Mortgage Company. Unbeknownst to them, my Mortage Payment comes from my Investment Account, not my personal checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: KS

Complaint narrative:
I have been requesting an in-school deferment WAIVER from MOHELA since XX/XX/XXXX but they refuse to respond an apply the waiver or provide the necessary form. I started school XX/XX/XXXX. MOHELA placed my loans in XXXX  status for XX/XX/XXXX without authorization and for no legitimate reason as eligible in-school period didn't begin until XX/XX/XXXX. MOHELA refuses to remove the deferment/forbearance from XX/XX/XXXX or in-school deferment status as requested despite multiple emails and requests. They also refuse to provide the necessary form to request the WAIVER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation