vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Account XXXX showing XXXX, XXXX of XXXX  incorrect payment status Account XXXX showing XXXX of XXXX  incorrect payment status -Also failed to report XX/XX/2020 payment status on my consumer report. -These account has never been late or had ever been late with another XXXX XXXX in the past. -They also failed to notify me at least 21 days prior my due date. Under U.S Code 1666b, they must do so in written to notify, but had never did so. Also under 15 USC 1681i ( 2 ) ( A ) ( i ) My transactions and experiences ( such as late payments ) between myself and the lender are excluded and can not be used to construct a consumer report. " The CARES Act, which was signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a 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 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Account XXXX showing XXXX, XXXX of XXXX  incorrect payment status Account XXXX showing XXXX of XXXX  incorrect payment status -Also failed to report XX/XX/2020 payment status on my consumer report. -These account has never been late or had ever been late with another Capital One in the past. -They also failed to notify me at least 21 days prior my due date. Under U.S Code 1666b, they must do so in written to notify, but had never did so. Also under 15 USC 1681i ( 2 ) ( A ) ( i ) My transactions and experiences ( such as late payments ) between myself and the lender are excluded and can not be used to construct a consumer report. " The CARES Act, which was signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I dont recall the dates I just had issues as far as extra fees. The car was involved in a car accident and they werent working with us very well regarding payoff. Also being behind in payments going through a hard time there was extra fees charged.

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 2023-03-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I opened an inherited IRA last year with Penfed and opted to place all funds from the IRA in a 7 year inherited IRA CD. The IRS requires that all funds are disbursed out the non spouse inherited ira within 10 years so I decided that I will begin taking disbursement on year 7 after the cd matures. I called penfed in response to a letter about ira tax withholdings I received from them. They said they are requiring me to take a distribution each year in equal payments for 10 years. I told them that I would like to wait a few years after my cd matures to take distribution. Apparently this is a penfed rule that was not explained nor written anywhere in my documents I received from them. And if thats their rules, thats fine but I should have been given some type of notice about it. I immediately requested to transfer funds to a different financial institution that will allow me to take funds out at anytime as long as the account is depleted by the 10th year per IRS guidelines. Penfed said that I would lose all interest if I transfer money out of the account before maturity but they can withdraw funds each year out of my account before maturity as a distribution. It was not explained to me that penfed could take funds out my account before maturity for distribution even though it is not required until the 10th year. They also said they will send me a letter explaining this but I should have received a letter about when opening the account. It is not my wishes to transfer to another financial institution but the deceptive practice of withdrawing money out my cd because of a penfed rule is extremely unfair and I shouldnt pay penalty fees. I will forfeit all interest earned in the CD if I transfer my money elsewhere because of their deception of not disclosing that they will withdraw money out my ira cd each year.

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 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received an alert about an extended fraud alert being placed on my account. I never requested that. I tried to use my XXXXl XXXX XXXX & my XXXX XXXX XXXX at XXXX on XX/XX/XXXX and was declined. I checked my reports and neither of the 3 cards that I have are showing on my report nor is my auto loan with XXXX XXXX. I just paid my car payment of XX/XX/XXXX but the account is not on any of my credit reports. I logged into my MyEquifax.com account and show that someone has filed several disputes on my account and I was also informed by a representative at Equifax that a police report was filed. I have never filed a police report for a credit issue in my life. I believe I am the victim of some kind of data breach where someone is trying to establish accounts in my name without my knowledge. I am not sure the nature of the disputes and to what email the disputes were sent to and I can't get any information from XXXX XXXX about why my account was closed. I had been faithfully paying all of my accounts on time and had no reason to request a closure of my account. I fear that someone will get my cards reissued to themselves at a different address and I will end up responsible for their fraudulent purchases. I haven't received any correspondence from Equifax in reference to these disputes and that worries me because any time that I have ever submitted a dispute, I had verification via email. Nothing has been sent to me and they are allowing people to access my information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, 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: OK

Complaint narrative:
XXXX XXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX I never gave permission for the companies to run my credit report please have the credit bureaus to provide me proof of the inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, 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: OK

Complaint narrative:
XXXXXXXX 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 XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX I never gave permission for the companies to run my credit report please have the credit bureaus to provide me proof of the inquires

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 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please note, this is not a duplicate complaint and I am not using any thirds party for this matter. I'm sending this complaint due to new evidence. I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with XXXX XXXX XXXX XXXX. They did not provide me with the original application like I asked. Please correct my Credit Report on XXXX and this account must be deleted from my report - XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Complaint to Citibank NA, Follow up to your letter XXXX XXXX On Citibank Letter dated XXXX XXXX, bank admit account to be fraudulent, account number XXXX And refuses to open an investigation for fraud. Since XX/XX/2022., banks continues on a denial You as the creditor for account, account number XXXX is the one who must prove account and you have not you clearly failed to turn over investigation report after 90 days period and you continue in violation and damaging my person. 

In addition I never had and dont have the above card, Neither I open the account Account Not mines. 

I hereby request to Citibank Na, to supply me immediately with a cancellation letter For account number XXXX, within XXXX business days Due to your refusal to cooperate on this serious matter and in denial unfairly treated Im referring this issue to matter to Consumer Financial Protection Bureau Office of Enforcement. 


Attacahed documents for review Citibank NA, Letter ,90 days lapsed never turn over investigation report Citibank NA, Letter admits accepts account fraudulent Citibank NA, inconsistency You have failed during the 90 days investigation to turn over documents proof For that reason send me a cancellation letter for account number XXXX, within 7 business days I will be force to communicate with XXXX XXXX, Fraud Prevention Thank you 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 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc.
State: PA

Complaint narrative:
Self Scammed me out of $ XXXX after almost 2 years of building my loan account and opening a self credit card. They Randomly closed my account when they notice I was close to paying off my loan account and my self credit had $ XXXX credit on it, fully paid off with good payment history. Self is a prepaid credit build program advertised to help people build their credit by opening an account and putting down a deposit. Every credit is from consumers and it is NOT credited by Self Inc. They yet to give a legit reason why theyve close my accounts besides my accounts are under review or return all my funds I deposited in my loan account and secured credit card account. Its going on 4 months.

And I plan on sharing this info everywhere and chance I get to leave a review about this company so people can be watchful of their schemes. Seem when you fully complete paying their stallment loan savings account and secured credit card they recommended thats when they hit you with a random/surprise review of your accounts and close it down causing customers to immediately losing access to all their funds we work extremely hard for and saved. Ive heard the same from bunch of people who had this seem experience Im dealing with right now after doing some research.

Below I'll attached screenshots of both my Self Secure Credit Card and And Installment Loan account balance at the time of Self closed my accounts, and conversation with Self ... they do not have a direct contact to their financial department so consumers have to email. Keep in mind each loan term is 12 months, and I select the {$150.00} payment for 12 months. I completely the first loan term for the first year and converted it to the secured credit card which give a a credit limit of {$1600.00}. Halfway through the second loan term I was qualified to increase my secured credit card limit with the already saved amount on my second stallment loan which was still in complete, they allow that to those with good payment and adequate amount saved. I Increased my secure card balance to {$2400.00} from my installment credit builder loan account. In XXXX, 3 months to completion of my credit builder loan account ... that's when they randomly closed both my accounts secured credit card and loan account with $ XXXX already saved in the credit builder account apart from my {$2400.00} paid Self secured credit card. My credit score also dropped tremendously due to them closing both accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. 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 have never been late on payments for these accounts : XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX  XXXX Balance : {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
IMPORTANT : I HAVE RECENTLY LOOKED AT MY CREDIT REPORT & NOTICED THAT THERE NUMEROUS FRAUDULENT ACCOUNTS. I HAVE CONTACTED EQUIFAX OVER 40 DAYS AGO. I ALSO PLACED A POLICE REPORT AND FTC AFFADVIT XXXX ALL BY XX/XX/2023. EQUIFAX HAVE ONLY RESPONDED BACK STATING THAT THEY ARE ONLY GOING TO PLACE A BLOCK ON MY CREDIT REPORT BUT THEY DID NOT REMOVE THE FRAUDULENT ACCOUNTS. THE OTHER 2 MAJOR CREDIT BUREAUS HAVE REMOVED THESE FRAUDULENT ACCOUNTS. EXCEPT FOR EQUIFAX. THEY HAVE DISREGARDED FEDERAL LAWS NOT RESPONDED OF AN INVESTIGATION IN 45 DAYS. THIS HAVE NEGATIVELY AFFECTED MY LIFE. PLEASE REMOVE FOLLOWING ACCOUNTS : XXXX/ ACCOUNT # XXXX XXXXACCOUNT # XXXX XXXX XXXX/ ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
It has been over 30 days and the creditor has not updated the info or provided proof or documentation in regards to the late payments. The account is now in current status and I am requesting that the late payments be removed from my credit file. By law they must remove it immediately.

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 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX I never gave permission for the companies to run my credit report please have the credit bureaus to provide me proof of the inquires

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 2023-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VT

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I submitted pslf forms seeking certification and forgiveness under pslf. I was denied because MOHELA didn't certify the payments as per one of my forms. I called and the process was put under review on XX/XX/XXXX. I looked recently and the review process was " cancelled '' without any other information. 

This is absurd. My loans should already be forgiven because I have certified more than 120 payments while employed for a nonprofit. This should have been completed months ago.

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 2023-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am currently being sued by portfolio recovery for a debt that I have asked for validation on several times to no avail. They have yet to prove their right to collect on this debt. We have had 2 court dates in which Im not even sure if they showed up because they didnt speak but the judge keeps telling me he will continue the court case and that I should settle out of court. Even though I do not agree with the judge as I feel Portfolio Recovery is violating 15 USC 1681 I have tried to call and settle and spoke to a lady with a very nasty attitude. I offered to pay {$1700.00} that day in order to settle she said no and also said my account is not eligible for settlement. At the last court date I advised the judge again that Ive called and they refused to settle. No one spoke up on behalf of portfolio to confirm my account is not eligible for settlement in court. He then told me to try to call again! I feel as if they are not abiding by the judges orders in addition to never proving that they can even collect on this debt. My next court date is in XXXX and this time Ill be present with an attorney and a counter suit. I am in the process of buying a home and Im trying to put this behind me.Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, 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: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act. the three credit bureaus below has violated my rights. 

XXXX TransUnion XXXX This is how my information should appear on my credit reports. 

Name : XXXX XXXX XXXX Date of Birth : XX/XX/1982 Social Security number : XXXX Address : XXXX XXXX XXXX XXXX XXXX , IA 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 non-monetary relief
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, 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: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act. the three credit bureaus below has violated my rights. 

XXXX XXXX Experian This is how my information should appear on my credit reports. 

Name : XXXX XXXX XXXX Date of Birth : XX/XX/1982 Social Security number : XXXX Address : XXXX XXXX XXXX XXXX XXXX , IA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Prosper Marketplace, Inc.
State: CO

Complaint narrative:
I was served a summons about a debt that I do not remember taking out. the original loan was if prosper. 
the original loan was for XXXX. The paperwork that i got says that it should have been pais off in 2018. I fill that someone took this ioan out in my mane.

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 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo checking account closed in 2016 due to overdraft fees.

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