vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/2022 I mailed a Dispute Letter to all three of the Credit Bureaus, to include Equifax. I mailed all of these by USPS Certified Mail and tracked all of them to their delivery dates. When I realized that it had been nearly 2 months without hearing anything from Equifax I call them on or about XX/XX/2022. 

In that phone call I made notes in order to reasonably follow through with receiving Investigation Results from Equifax. I first spoke with XXXX, XXXX ID # XXXX, who told me there was no dispute on file? I asked for her Supervisor and was put on a lengthy hold. When the call was picked up the Supervisors nave was XXXX, XXXX. ID # XXXX. Who proceeded to tell me that Equifax had never received my Dispute Letter. I replied saying that I had the USPS Certified Receipts to demonstrate that Equifax had in fact received my dispute on XXXX XXXX, 2022. XXXX simply denied that it had ever been received and, rather cavalierly, told me there was nothing left to talk about. They didnt have it and that was it, stating that there was nothing left for me to do other than file yet another Dispute? 

I informed both XXXX and XXXX of the fact that I have since received Investigation Results from both XXXX & XXXX. Where the disputes sent to them were sent on the same day I mailed my dispute to Equifax. In each case both XXXX and XXXX simply disregarded this information without reply as if it weren't even relevant to them. 

Here you will find four attached pages demonstrating 1. The letter I sent to Equifax, dated XXXX/XXXX/2022. 2. A copy of both the Purchase, for all three of the Credit Bureaus, and the Tracking Receipt for Equifax. 3. Two pages printed from the USPS Tracking site following the Dispute Letter to Delivery on XX/XX/XXXX. 

XXXX XXXX XXXX  Class Action Alleges Equifax Routinely Fails to Reinvestigate Disputed Consumer Report Information Rivera v. Equifax Information Services , Llc According to a class action, Equifax routinely ignores its reinvestigation obligation under the FCRA when a consumer disputes inquiry information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been getting charged interest rates for a cash advance. I called capital one the day of the cash advance and asked how do I pay it off, and they said by just transferring the money it should be fine. I was still being charged interest rates for a couple of months. I called today, XX/XX/22 and asked for documentation as to where this information lives because its not on their website, its not in my account, its not in any source of information on the consumer side. They are saying it " could be '' in terms and conditions but they can't see my terms and conditions so they dont know. I spoke to 3 agents today who were all saying they had no documentation to share with me as to how payments are allocated, they could just mail me my terms and conditions. XXXX from capital one, agent no : XXXX was very rude as was the next account specialist I spoke with. They are hiding financial information from consumers to unfairly charge interest rates and fees that are not visible to the consumer. They could provide NO documentation or show me where this policy is notated because it is not notated on the consumer side. They are very vague in their documentation as to how you would pay back a cash advance on purpose to take advantage of their clients. I also provided screenshots of their website saying to check billing statements for our specific terms, and I have attached my billing statement where it does not show that policy at all. On the call, they tried to say the first paragraph under my billing statement shows that Cash Advances will be paid differently but it does not. It just shows that cash advances interest starts the day of purchase. They then switched and said it was in the terms and conditions that they can not see. Either way, it is clear they make it impossible for the consumer to know these terms before engaging with that service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-23 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-05-23 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Received a text from number : XXXX XXXX XXXX ( XXXX, FL ) Addresse to CITI customer- issues with account and to reaccess account please click on link : XXXX XXXX XXXXXXXX XXXX led to a citibank page. Asked for username and password. Then led through asking name, social, mother 's maiden name, then took to a log in with XXXX email/email password. Asked for license photos as well. 

I had been having issues with my Citibank debit card and had received a few texts over the past few weeks but ignored all of them. For some reason today I clicked on this link and followed through giving them all of this information. 

I immediately called Citibank bc something didn't feel right about this and they explained they would never send a link to click through or text about this information.

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 2022-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA violations : accounts not mine U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Collection account. {$3700.00} past due as of XX/XX/XXXX. 
U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/XXXX Balance {$2400.00} Status Collection account. {$2400.00} past due as of XX/XX/XXXX. 
U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/XXXX Balance {$6700.00} Status Collection account. {$6.00} FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX 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 2022-05-23 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: TX

Complaint narrative:
FCRA violations : accounts not mine U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Collection account. {$3700.00} past due as of XX/XX/XXXX. 
U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/XXXX Balance {$2400.00} Status Collection account. {$2400.00} past due as of XX/XX/XXXX. 
U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/XXXX Balance {$6700.00} Status Collection account. {$6.00} FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, 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:
I have 2 mortgages with XXXX XXXX XXXX XXXX. Both of those were set on auto pay but for some reason one of the mortgages did not process the payments. So for # 1 Auto Pay worked. For the # 2 did not. This was not issue with insufficient funds or something like that. Their system did not process the payments. 

This was unknown to me for 3 months until I received the notification from the Credit Bureaus that I am late on my loan for 90 days. When contacted XXXX they sent me to their new processing company. And they said that it was my responsibility to keep tabs on the payments and they carry no responsibility for their system not processing the payments, even though they found issues on their end. I have to say that I believe that it can not be just my responsibility as I have hundreds of bills. If auto-pay did not work, or I had to check every payment, every month, I would be doing nothing else but confirming paid bills every hour of every day. 

I received no calls, no emails, no any kind of notification that payments did not go through. 

My account has been settled and all previous missing payments have been paid off but I carry a derogatory mark. I kindly request to remove this as it was an issue on the processor 's system and not issue with me not paying it.

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 2022-05-23 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: Nelnet, Inc.
State: WA

Complaint narrative:
My goal, intent and wish since repayment began has been to participate in the interest rate deduction for automatic payments. During the pauses like forbearances, that I was steered into rather than an appropriate repayment plan, the ability to participate in the automatic payment interest rate discount was wrongly dropped and discontinued. The studentaid.gov website currently says, " Talk to your servicer to enroll in automatic payments to get a 0.25 % -point reduction on your interest rate. '' As you can see in my repayment history, many initial payments were correctly set up for autopay. While I have looked into how to continue the reduction, including asking or attempting to ask about it by phone over the years, that possibility has been deflected, omitted, prevented, made impossible and/or to seem impossible, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
On XX/XX/2022 I began receiving advertisements in the mail for debt resolution. In one of these advertisements, I learned that I was being sued by Velocity InvestmentsXXXX for an unspecified debt. I looked up the case number provided and learned that this suit was filed on XX/XX/2022. I have never received any documentation from Velocity InvestmentsXXXX regarding any debt. I was never served any documents regarding this suit. I have reviewed my credit report and have no collection from Velocity InvestmentsXXXX XXXX I have attempted to recieve more information with help from my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Again Trans Union has stated they will not reinvestigate my claim. They sent another letter stating they verified the information with the Court Clerk. 

I've attached the letter from TransUnion and the letter from the Court Clerk stating they DO NOT supply information to third party vendors. 

SO I need this taken care of since they are lying and breaking the law. 

Ive also filed a complaint with the NYS Attorney Generals Office.

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 2022-05-23 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: AES/PHEAA
State: FL

Complaint narrative:
I am trying to qualify for the PSLF in the XXXX. Per student aid.gov in order to qualify and have your payments count. You must work for a qualifying employer. Which I have. You must either work full-time or 30 hours a week or more which ever is greater to count towards the PSLF. I worked aXXXX XXXX XXXX from XXXX through XXXX. I worked 52 hours a week. According to student aid.gov I worked over 30 hours a week for a qualifying employer so these payment should count towards XXXX  and XXXX. Fed Loan I have talked to on several occasions as well as XXXX. My employer XXXX XXXX hired me a XXXX XXXX  but again I worked 52 hours a week for five years. Im a XXXX XXXX. This qualifies to have those payments count. Fed Loan is telling me because my employer marked part time it doesnt count. According to the law and the regulations you either work full-time or greater than 30 hours a week which ever is greater counts. No one is helping me. I went on the student aid.gov website apply to be reconsidered and they close my case and said it was a duplicate. I dont know what to do anymore. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: TSC Accounts Receivable Solutions
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX ACCOUNT XXXX XXXX has violated my rights and are reporting a fraudulent account on my credit report to the credit bureaus. 

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 an account without my written instructions.

15 USC 1692g This account ifs fraudulent and can not be verified and must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
I was told that I had to contact the insurance to get a detailed bill. I did get a shot in the knee a few months before the insurance covered it. But at the end of the year being of XXXX we switch to a new insurance. I am having a hard time keeping bills pay around the house here with one income coming into the house the way it is. 

Thank you for your time..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: PA

Complaint narrative:
In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. 

Acct XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX on the XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXXXXXX bank XX/XX/XXXX XXXX  Online hold XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15.U.S.C 1681 section states i have the right to privacy. 

15 U.S.C 1681 Section 604 A section 2 : states. Its also states consumer reporting agencies can not furnish account without my written instructions. 

15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate

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 2022-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This company has been calling me since XXXX of XXXX. On XX/XX/XXXX at XXXX I answered and asked them to stop contacting me. They have contacted me from 11 different states as well as at least 23 different phone numbers. I have asked now 8 times for them to stop contacting me. They now just got an unlisted number and refuses to tell me what company they were calling from. I did some research and found out it is Portfolio Recovery Services that number is ( XXXX ) XXXX. This was today, XX/XX/XXXX. So over the past year they have continued to call even after I've asked them to stop many times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: NC

Complaint narrative:
On XX/XX/2022, I called Best Egg to inquire about payment assistance on an existing loan - as was advertised on their website. 

I was offered 0 % interest for 12 months if I enrolled in auto draft and made all my payments on time. This offer was only good once for the life of the loan. I agreed to this offer and continually asked if this was 0 %. I was told that it was. 

However, on the 1st payment date of XX/XX/XXXX, I realized I was blatantly and fraudulently lied to. I was being charged interest, even though I was told I would not be charged interest for this plan. When I called back on XX/XX/XXXX, I was told that the disclosure did in fact say 0 % and there was an error. Then I was falsely told about 20 minutes later I was charged only for partial month interest, even though it obviously showed I was charged full months interest. Then another half an hour later I was told that I had to pay interest for the first month but after that then I paid no interest. I told, shocked at the 5 different answers I was getting 5 different times, that I was never told about an enrollment payment ever. Best Egg legally can not invent terms of a payment plan as they wish after the fact and in contravention to what I agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Please investigate that every piece of information is correct. If not, please remove it from my credit report. This Information is not mine I have attached my police reports and a letter of closure from one of the consumers. I reported this to them immediately and they closed the account. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-05-23 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: FL

Complaint narrative:
I sent my 2nd letters off to TransUnion, XXXX, XXXX on Monday XXXX XX/XX/2022. Here is my tracking number XXXX # XXXX, Transunion # XXXX, XXXX # XXXX. I told the credit bureaus to " investigate every piece of informaton '' on the accounts I listed. 

According to the FRCA. The term '' investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom with whom he is acquainted or who may have knowledge concerning any such items of information. 

Attached is the letters I sent out in " Good Faith ''. 
Also to remove all information that was not 100 % accurate. According to the fair credit reporting act 15 USC 1681. I have the right to privacy and everything has to be 100 % accurate. Also according to 15 USC 6802. NO financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected 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 non-monetary relief