vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: KS

Complaint narrative:
I requested a copy of my original loan documents thru Mr cooper website they say they have sent them and I have not received by mail or by email or in my office suit on Mr cooper site where I had received all payoff amounts and other communication from Mr cooper. A few of the documents during sales of property are also missing like my original payoff quote of almost XXXX XXXX of XXXX the corrected payoff quote of almost XXXX XXXX XXXX is posted which is almost the original purchase price of the XXXX loan and I was required to pay when I sold the property. All deferred payments during COVID relief show as late or deliquent and are negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: VA

Complaint narrative:
I am filing a complaint against Sallie Mae regarding my private student loan. In XXXX, my parents took out a private loan through Sallie Mae. During the phone application process, we were not informed that the loan was set to an in-school payment plan. As a college student at the time, I was unable to make the XXXX XXXX monthly payments. 

In XXXX, my mother was XXXX XXXX XXXXXXXX XXXX, and Ive communicated this hardship to Sallie Mae. Despite my situation, I still can not afford to pay this loan on top of other expenses like gas, rent, and school-related fees. Sallie Mae told me that if I could bring my account current, I could apply for a school deferment. In an attempt to resolve the issue, I paid {$600.00} ( all of my savings, which was more than my rent ), only for Sallie Mae to later state I was ineligible for deferment due to the loan status from two years ago.

The agent on the phone had selected the in-school payment plan, which I do not understand. This situation is severely impacting my family 's credit and causing significant emotional distress to my mother, who is XXXX XXXXXXXX. Sallie Mae has been unhelpful and dismissive in resolving this ongoing issue. 

I respectfully request your assistance in investigating this matter and helping to find a resolution.

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

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

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am reaching out to request assistance with a goodwill adjustment request I submitted to XXXX regarding a late payment recorded on my credit report. Due to a positive XXXX test and the associated financial hardship caused by the pandemic, I was unable to make a timely payment on my Bank of America account XXXX XX/XX/year>. 

In my communication with XXXX, I requested the removal of this late payment from my record as a one-time goodwill gesture, noting that this incident was an anomaly in my payment history and does not reflect my typical financial responsibility. I have attached a copy of my letter to XXXX and a supporting document ( positive XXXX test ) to substantiate my request.

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 2024-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX  Acct # XXXX Tenant Security Deposit Account. Ongoing requests to return Tenant Security have been held up. Upon contacting the Bank, they claim that they have called me to respond to verify information. I have received no calls or messages ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After some time after paying off my balance for my target credit card I ended up recieving a notification that my XXXX XXXX dropped. When i went through all my accounts i noticed target had a balance when it shouldn't have. That same moment i reported fraud to the bureau and to target and I have reported now 3 times that the purchases made were not authorized and there was fraudulent activity with my account.

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 2024-11-06 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: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my 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 2024-11-06 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: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my 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 explanation
Consumer complaint received 2024-11-06 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX XXXXhat I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XX/XX/year>, XXXX XXXX XXXX XXXX reported XXXX XXXX account as " 30 days '' late. This resulted in XXXX XXXX credit score ( XXXX ) dropping " XXXX '' credit score drop across all XXXX credit bureaus : Experian, XXXX XXXX and XXXX XXXX 

On XX/XX/year>, XXXX XXXX XXXX XXXX reported XXXX XXXX account via Consumer Financial Protection Bureau website as THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. 

Your agency been provided proof XXXX XXXX credit scores initially dropped XXXX points In XX/XX/year> across all XXXX credit bureaus : Experian, XXXX XXXX and XXXX XXXX to incorrect credit reporting, by Select XXXX XXXX XXXX XXXX have been provided proof XXXX XXXX XXXX XXXX has XXXX & updated XXXX XXXX account with the correct information stating, THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. If your agency has reported no late payments listed for XX/XX/year>, from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX should be immediately restored & increased by XXXX points by your agency. 

Reducing XXXX XXXX XXXX XXXX ( XXXX ) by XXXX points based on incorrect information is illegal & a violation of his rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. Any refusal to restore XXXX XXXX XXXX scores by the XXXX points your agency initially took from him in XXXX of 2024 ( based on incorrect information ) is illegal & a violation of his rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. 

On XX/XX/year>, XXXX XXXX XXXX XXXX provided your agency proof via Consumer Financial Protection Bureau website they corrected XXXX XXXX account stating, THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. Thus, correcting their mistake in XX/XX/year>. 

Therefore, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., XXXX XXXX XXXX XXXX ( XXXX ) should be immediately restored/increased XXXX points by all XXXX credit bureaus : Experian, XXXX, and XXXX. The corrective actions by your agency should result in XXXX XXXX XXXX XXXX ( XXXX ) increasing by XXXX points and ranging from ( XXXX ) points respectively.

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 2024-11-06 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: Bilt Technologies, Inc.
State: NY

Complaint narrative:
XXXX. XX/XX/XXXX the check was mailed to the recipient with a check triggered on the XXXX XXXX XXXX. On XX/XX/XXXX - the app says the check was cashed, but the recipient still had the un-endorsed check in their possession and had neither cashed nor deposited the check XXXX. XX/XX/XXXX - the issuer reached out to the XXXX to investigate because the recipient had not cashed or deposited the check. XXXX said " once there has been an attempt to cash/deposit the check it can not be canceled '' XXXX. On XX/XX/XXXX the recipient deposited the physical endorsed check in a XXXX XXXX ATM XXXX. On XX/XX/XXXX - the recipient received an email from XXXX XXXX saying that the check can not be paid out due to insufficient funds. But that does not make sense because the recipient/payee never deposited or cashed out the check. 
XXXX. XXXX was contacted on multiple occasions to investigate this issue either for fraud or a mix up with the transaction and insisted : 1 - the recipient contacted their bank too. The recipient tried and their bank ( XXXX XXXX  said there was nothing they could do. The bank and check issuer ( me ) had to work with the recipient 's bank to resolve 2. They insisted that there were insufficient funds but the check was never processed in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting 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: MI

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> I attempted to make a cash deposit of {$850.00} into my Wells Fargo Checking account via the ATM located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. The ATM rejected {$200.00} ( Two {$100.00} Bills ) and my deposit total read {$650.00}, the ATM asked if I would like to submit anymore additional bills to my deposit. I flattened out the my two remaining {$100.00} bills and fed them back into the machine. The machine stated again that it could not accept the two bills and it would again be rejecting both of the TWO {$100.00} bills. However this time only ONE single {$100.00} bill came back out of the machine and the ATM deposit total still read {$650.00}. 

I immediately called the Wells Fargo ATM customer service support number and they opened a investigation on my behalf and a few days later gave me a credit for my {$100.00} bill. 

Over a month later on the week of XX/XX/year> I received notice that Wells Fargo had completed their investigation and they had determined the machine did not make any error and that they would be pulling the {$100.00} credit back out of my account. 

I called customer service again on XX/XX/year> to inquire about their investigation because clearly their had been a mistake. The customer service agent said that because the machine hadn't reported any error they closed the investigation and determined it had not incorrectly kept my {$100.00} bill. I asked if anyone had physically audited the machine to make sure the money inside matched what it showed for total deposits. The customer service agent said no. I asked what exactly were the steps they took to determine the machine did not incorrectly keep my {$100.00} bill. The agent told me she couldn't disclose that information fully but as the machine itself was not reporting that any error had been made that ultimately my claim was denied. I told the agent that relying on a machine to send back an appropriate error code when it had already incorrectly kept my bill didn't seem like a reliable investigation to that she had no answer for me. 

I find it very suspicious and bad business practice that Wells Fargo has come back well over a month later to deny my claim and then admitted that during the course of this time no one physically audited the machine ( as I have seen written online is typically how these matters are handled with other banks ). But that they simply rely on the machine itself to tell them if it is has made an error.

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 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I Have several times disputed this account because I received a notice that I have a collection from SPRING OAKS CAPITAL LLC on my credit report. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the FCRA. I would like for this collection to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting 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:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I noticed on my credit report a credit card was opened using my name for khols Ive never been there and I dont opened credit cards through stores. It wasnt me. I tried to dispute it with multiple credit bureaus and havent gotten help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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