vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
My credit card was stolen along with my wallet on XX/XX/XXXX. 
I called Bank of America XXXX XXXX Fraud department immediately when I realized my card had been stolen and a purchase had been made. 
I gave the Fraud claim representative my credit card information as well as the charge that was made at Marshalls with my stolen card in the amount of XXXX. 
The Claim representative asked me to call back on XX/XX/XXXX with the police report case number. 
I called on XX/XX/XXXX with the police report case number to the Bank of America XXXX XXXX fraud claim number. 
The charge on my credit card from XXXX that was made with my stolen card was posted to my credit card account on XX/XX/XXXX. 
I called Bank of America again to follow up on the claim since the charge did post to my account almost 20 days after the fraudulent charge. 
Bank of America fraud claim representative indicated that they would escalate the issue so that it would be resolved quicker. 
I have followed up with Bank of America XXXX XXXX XXXX claim deparetment about 7 times to see why the issue hasn't been resolved. 
It has been 90 days since I had my wallet stolen and the fraudulent charge of XXXX from XXXX happened.

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 monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
In XXXX I began attending college at XXXX XXXX XXXX. Like any college student a main concern of attending college is " how will I pay for it ''. With no assistance, or knowledge about loans my mom and I began looking for loans we would be able to afford while I was in school. XXXX of the loans that caught our eye was from XXXX XXXX with a loan payment of only {$54.00} a month. It seemed like a no brainer. We received our first disbursement on XX/XX/XXXX in the amount of {$4900.00}, second disbursement on XX/XX/XXXX in the amount of {$900.00}, and the last disbursement on XX/XX/XXXX in the amount of {$4900.00}. Since XXXX my parents have been paying double the {$54.00} monthly payments on the {$10000.00} loan. It is now XXXX and we still owe {$5600.00} on a loan from XXXX. Since then, the loan has transferred to Firstmark. I honestly didn't know my parents were still paying on this loan until recently. I mean it was from XXXX. When my dad called Firstmark to understand why this loan really wasn't getting paid down the representative told him it would never be paid off and his best bet would be to take out another loan elsewhere with a lower interest rate. It currently accrues a daily interest rate of {$1.00} and is a variable loan. The estimated Total Interest Accrual is {$4700.00}. To me this loan was complete theft and took advantage of parent 's trying to send their kid through college. It seems very familiar to what happened in XXXX to XXXX XXXX with their illegal student loans practices. XXXX XXXX is the real culprit here. Before the loan was transferred to Firstmark my dad said he tried requesting documentation about the loan and payments and they said they would mail documentation, but it never came. Even the lady at Firstmark agreed that this is a never-ending loan. I wonder how it is even legal to do this to a person?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aldous & Associates, PLLC
State: TN

Complaint narrative:
I have received a debt collection letter from Aldo 's and Associates. I have investigated this matter and realize this is not my debt. I then contacted the i.r.s and gave them notice of this account. it is a health and fitness account. I submitted documentation to the i.r.s and they cancelled out the debt. I have sent XXXX and this is XXXX first letter to stop collections and remove negative item from credit report or face a fine and audit. This is to be removed immediately and collection of this debt must stop. I have included a copy of the cancellation from the i.r.s and your company has failed to abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I close my chime credit card account thinking they can transfer the XXXX i had left into my account I closed it because they wouldn't give me access to my account to withdraw so they said there gon na Mail it to me and it's been six months now and still waiting they keep telling me the same thing over and over again i had to borrow money from family and friends just to keep up with my bill i was supposed to pay and its with chime account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: DE

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-05-08 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: SC

Complaint narrative:
Hey there, I'm reaching out because I'm in a real bind with TransUnion. They're flat out refusing to block certain information under Section 605B, and it's causing me a ton of stress. 

I've been dealing with identity theft, and it's seriously messing with my credit report. So, naturally, I tried to get TransUnion to block this incorrect info. But guess what? They're saying no-go. 

I've tried to explain the situation, provided all the necessary evidence, but they're sticking to their guns. It feels like they're not playing by the rules, and it's seriously impacting my financial life. 

I also sent them a response to there letter refusing to block by telling them i am a real person and im not misrepresenting the facts. 

then they sent me a second letter saying i was working with a third party or credit clinic. that's not the case either Can someone please step in and help me out here? I'm at my wit 's end. I've attached all the relevant documents and communications for your reference.

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 2024-05-08 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: DE

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-05-08 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: DE

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One close my credit card due to non-payment, after the account was closed I paid the account and all fees at the time. After all fees were paid Capital One continues to charge me interest and fees, I've called to ask for a resolution in Capital One refuses to offer any solution or resolution other than continue to pay them more fees. The fees that Capital One have added are different amounts each time and are not aligned in any of their paperwork that they have provided that I would anticipate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have multiple accounts with US Bank ( checking, money market, credit card ) and noticed I have been charged a monthly maintenance fee over the past year and a half on my checking account even though my account meets the requirements to have the fee waived ( monthly direct deposit of XXXX XXXXXXXX, combined account balance of XXXX XXXXXXXX ). When I spoke with a representative on XX/XX/24, they confirmed that I meet the requirements and that my account is being charged in error. They were able to re-fund the fees from the past 90 days but said they can not prevent my account from continuing to be charged in error and I will continue to be charged the fee. As a customer that meets the requirements to have the fee waived, they are granting a false promise that I will not be charged and are stealing from me each month.

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 monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-05-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Year XXXX it was said that I purchased a vehicle of the lot of XXXX XXXX XXXX XXXX this company let someone come on and put a car in my name using all false information. I dont have a contact a vin number no information to even report it stolen to get this situation handled Ive called multiple times no one can assist me only telling me I have to pay this debit that I didnt create. A 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 2024-05-08 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: OH

Complaint narrative:
On XX/XX/XXXX the account was locked out for transition to a new service process. Since that day, i can not access any loan information, nor make a payment. YET INTEREST IS STILL ACCRUING DAILY. 
I was told i can mail in a check, while the interest accrues daily waiting for it to cash, ( XXXX weeks ) or wait another XXXX weeks, while interest accrues daily to maybe, hopefully get access to the new servicing website. 
THEY SHOULD CREDIT DAILY INTEREST FROM XX/XX/XXXX THROUGH COMPLETION OF THIS TRANSITION. I'm being robbed with XXXX defenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-08 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and I've attached a copy of my report to this complaint on the following dates ( XX/XX/2022 and XX/XX/2022 ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-08 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: GA

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2024-05-08 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: GA

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2024-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: TX

Complaint narrative:
my social was connected to another social security XXXX XXXX confirmed it was fraud and removed it, whoever used a different social with my name has a collection reporting to my account from XXXX XXXX XXXX for {$7200.00}, i never used my social for this acoount, i never had an inquiry for this account, this is fraud i made a police report & i want this account removed asap as it is hurting my score & fraudulent information thats stopping me from getting a home and car, i will take legal action if not removed and sue for every error i find on my credit Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting this new complaint due to the results from the last complaint and the error was not corrected. I am submitting this in hopes Of Founders federal to reverse late fees that were being reported on XXXX XXXX XXXX- XXXX XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 30 days ), XX/XX/XXXX XXXX XXXX Founders Federal Credit- XXXX XXXX XXXX I have a great payment history with Founders federal and do not recall ever being late. Federal founders is reporting XX/XX/XXXX and XX/XX/XXXX as both being 30 days past due with is inaccurate reporting. It is the duty of the CRAs to ensure all information is being reported correctly. 

Furthermore, the CRAs stated the company sent proof that the payments were accurate and verified which I have yet to receive any documentation and or proof. I am hoping I can resolve this matter with XXXX XXXX. As a courtesy I am asking that the late payments be reversed as paid as agreed and they are hindering me from getting approved for other credit.

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 WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

You have failed to follow the laws and provide proper documentation in regard to the validity of these late payments. If I can not get these its reversed to paid as agreed my next course of action will to submit a complaint with the attroney general.

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