vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I started to get alerts that said that I had multiple lates with my Capital One Saks credit card. I contacted Capital One to get more information and to figure out what the issue was. I had spoken to multiple reps to figure out the issue. The first two reps gave me completely different information. One said I had no 30 days past due and the second one said i did and the third one said that it was two lates ( XX/XX/XXXX and XX/XX/XXXX ). I printed out a copy of my credit report and the only late I saw was from XX/XX/XXXX and it was a 60 day late. I am uploading a report from my XXXX credit report where it shows what i am claiming. I also spoke to my bank where I make the payments from and they suggested i provide proof of all my payments which i did. At this point I am very behind on a business project because I am not able to get additional funding due to this issue I'm having with Capital One. Evermore, I have never had any lates on any of my other 15 plus credit cards, ever! I pay all my accounts on time and I'm never behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Uplift, Inc
State: NY

Complaint narrative:
Tried to log into their payment portal multiple times to make a payment prior to it being 30 days late. The only way to pay is with a debit card that requires text sent to your phone before it will let you log in. I was unable to log into their site and tried to resolve this with the company- no one was able to assist me. This lead to my payment being processed a day later than expected and to a " 30 day late '' payment on my credit report despite my multiple efforts to pay prior to this with no resolution. The company has no response to me in regards to their website repeatedly failing resulting in me not being able to access the code to log in. This does irreparable damage to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: GA

Complaint narrative:
At the beginning of XX/XX/2023 I initiated a transfer of funds from my HSA operated by the Bank of New York Mellon via XXXX in the amount of {$510.00}. The funds were removed from my HSA account and the transaction listed as posted on XX/XX/2023. The funds never made it to my checking account with XXXX XXXX XXXX I called XXXX XX/XX/2023. The blamed the delay on a weeklong outage and guaranteed me the funds would be in my checking account by Friday of the same week. On Saturday XX/XX/2023 the funds still were not in my account so I called again and the customer service representative again blamed the delay on an outage but had no explanation for why an outage would affect a transaction listed as posted and not in process. She told me the funds would definitely be in the checking account by Tuesday the XXXX, but they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-02-14 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX 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 XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: TX

Complaint narrative:
I filled out 3 Public Service Loan Forgiveness forms ( PSLF ) in XXXX of XXXX. To date, only one of them has been processed and certified. The other two are still pending. It has been 15 months. 

A timeline : XX/XX/XXXX Consolidated loans, loan servicer was XXXX XXXX XX/XX/XXXX Submitted 3 PSLF forms for 3 employers spanning the last 14 years XX/XX/XXXX One PSLF form was certified and approved XX/XX/XXXX Loans were transferred to Mohela Here is what I have tried... 
1. Multiple chat and phone conversations first with XXXX XXXX, then with Mohela. They do not have any answers as to why these forms have not been processed. They claim that they are waiting on Federal student aid. 

XXXX. Submitted complaints on the Federal Student Aid website. The first complaint was made in the spring of XXXX and closed automatically when the loan transferred to Mohela. The second complaint was made in XXXX of XXXX, and we have received no response. 

My largest complaint is with Federal Student Aid. It should not take 15 months to certify that an employer is a 501C3. We have submitted everything asked of us in a very timely manner. And still no communication. Even after contacting the Ombudsman group, we have received no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: Credit Card Acquisitions Group
State: NJ

Complaint narrative:
I sent XXXX a written request XX/XX/2022 to verify their method of verification of a collection account on my credit report. The Account named Foster and Monroe LLC in the amount of {$11000.00} appeared on my credit report XXXX of XXXX. I disputed the item as not mines and asked XXXX as well as foster and monroe to investigate, They claimed the account was verified although the account has a different last name, Date of birth than my own as well it has an address i never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc
State: ID

Complaint narrative:
Received a letter from H & R accounts regarding two accounts with XXXX XXXX, wrote a letter disputing the accounts based on my records showed they had been paid. received a follow up letter XX/XX/2023 claiming they did their research and the debts were valid. the only problem is they don't show any payments that I made to XXXX XXXX despite all the checks being cashed. I am writing a letter to XXXX XXXX to get this resolved, but also filing a complaint against H & R accounts for still pursuing a debt that is not paid. 

the list of checks sent XXXX {$25.00} XXXX {$15.00} XXXX {$10.00} XXXX {$15.00} XXXX {$15.00} XXXX {$15.00} XXXX {$15.00} XXXX {$15.00} XXXX {$15.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: GA

Complaint narrative:
Agency  is using my copyrighted name to report derogatory information on their reports. I have sent the company a copyright notice along with a notice to remove derogatory information. Should the information not be removed, the company will receive a copyright infringement notice ( {$500000.00} ) and be put on public record for fraud. The agency in question never received consent from me to report my name, my information or anything from a third party in my name. The agency in question created a " contract '' unwillingly without my consent. No full disclosure was given to the agency in question as to what is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with this Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with this Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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 2023-02-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Northstar Location Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX did not disclose I had to pay an ending fee to the lease. I paid upfront onetime payment for all costs. When I spoke to XXXX XXXX at corporate, they stated they have had consistent problems with the sales representative by not disclosing in full details to other customers. We are talking about around {$650.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I purchased an item from Zales department store that had a 12 month no interest promotion. I received my XX/XX/XXXX statement stating in bald red print in second paragraph saying : " WARNING : Promotional Plan ( XXXX ) ENDING SOON! 
You must pay the BALANCE {$340.00} IF YOUR PLAN 12 MNTH XXXX INT LOW PMT IN FULL BY XX/XX/XXXX TO AVOID PAYING ACCRUED INTEREST CHARES '' ON XX/XX/XXXX i MADE A PAYMENT FOR {$340.00} THEN ON XX/XX/XXXX i WAS CHARGED XXXX INTEREST CHARGE THEN ON XX/XX/XXXX CHARGED {$9.00} AND XXXX ON XX/XX/XXXX ON XX/XX/XXXX i SPOKE WITH XXXX ID # XXXX AND HE CONNECTED ME WITH SUPERVISOR XXXX ID # XXXX WHICH SAID SHE WOULD FILE A DISPUTE THAT WILL BE MAILED OR COULD TAKE UP TO 90 DAY. 

XXXX I CALLED TO FOLLOW UP AND SPOKE WITH XXXX THAT XXXX ME TO XXXX ID # XXXX THAT WAS TELLING ABOUT A LATE FEE THAT'S IN THE UPPER RIGHT HAND CORNER STATE A XXXX FEE IF PAYMENT IS LATE AND MUST PAY THE MONTHLY PAYMENT THAT'S DUE ON XX/XX/XXXX OR ALL INTEREST WILL BE ADDED. THIS WASN'T CLEARLY STATED WHILE EXPLAIN WHAT'S DUE TO AVOID INTEREST.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX # XXXX, XXXX XXXX XXXX  # XXXX, DEPT OF ED/AIDVANTAGE # XXXX, DEPT OF ED/AIDVANTAGE # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX # XXXX, XXXX  XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-02-14 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: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account name : XXXX XXXX XXXX XXXX, # XXXX, ( XXXX, EXPERIAN ) 2. Account name : XXXX XXXX XXXX, # XXXX. ( EXPERIAN, XXXX ) 3. Account name : XXXX XXXX, # XXXX, ( XXXX ) 4. Account name : XXXX XXXX # XXXX, ( EXPERIAN ) 5. Account name : XXXX XXXX, # XXXX, ( XXXX ) 6.Account name : XXXX, # XXXX XXXX ( XXXX ) 7. Account name : XXXX XXXX XXXX, # XXXX, ( EXPERIAN, XXXX ) 8.Account name : XXXX XXXX XXXX XXXXA, # XXXX, ( EXPERIAN ) 9.Account name XXXX XXXX XXXX XXXX, # XXXX, ( XXXX ) 10.Account name : XXXX  XXXX XXXX, # XXXX, ( XXXX XXXX 11. Account name : XXXX, # XXXX, ( XXXX ) 12. Account name : XXXX XXXX, # XXXX, ( XXXX ) 13. Account name : XXXX, # XXXX, ( XXXX ) 14. Account name : XXXX XXXX I, # XXXX, ( XXXX ) 15.Account name : XXXX XXXX XXXX XXXX XXXX XXXX, ( EXPERIAN ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

2. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Sometime around XX/XX/2022, Nationstar Mortgage LLC ( d/b/a Mr. Cooper ) started utilizing a new payment system. The new payment system is rejecting online payments. This is the third month in a row I have submitted payment to have it returned prior to reaching my bank account. The result is their collections department calling me demanding payment. The collections department appears unaware of the issue and the solution provided by management is to process the payment over the phone. I currently have 2 months past due that I have submitted payment for multiple times and they want me to submit additional payment over the phone to bring the account current. There is no presentation of a solution that will result in my future payments being accepted without me calling in ensure my online payment was processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Disputed the inaccuracy of this account four times and requested documentation from the original creditor. The information remains incorrect and PRA refuses to provide the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, NC XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX MI XXXX Certified mail receipt # : XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Re : Right of Rescission Dear Ally, I, XXXX : XXXX XXXX XXXX Original XXXX and Natural Woman/Man hereby rescind my consent to be liable to perform on the contract agreement I entered with Ally Financial on XXXX XXXX. 
I entered into this contract agreement with Ally Financial without 1 ). Full disclosure of my right to rescind ( 15 USC 1635 ( a ) ( f ) ) 2 ). Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that Ally Financial willingly and knowingly took advantage of me and my consumer credit. 
I am not terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor as I have found several violations and fraud. Notice that Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission I am not liable for any finance charge, security interest, etc. becomes void effective immediately. 
In addition, I was given false and deceptive information ( violation of 1692e ) as I was told that a down payment of { {$1000.00} } was needed to drive off of the lot. Pursuant to 15 USC 1605 a finance charge is sum of all charges. I was also charged incorrectly on the financed amount. If you use Retail Installment calculation you will see that an additional {$600.00} was included to the financed amount. The XXXX XXXX XXXX XXXX blatantly shows numerous items were included in the amount financed which is a violation. 

Reimbursement of all payments made {$22000.00} & Down Payment Reimbursement of {$1000.00} shall be made by check payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved

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 2023-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Marlette Funding, LLC
State: TN

Complaint narrative:
On XXXX XXXX, 2023 a loan was applied for in the amount of {$35000.00} to Best Egg using my identity. My name and address was used but the email address that Best Egg showed was not mine. The loan was denied due to to many inquiries. Nothing wrong with my credit report rating. 

The email used for loan application was XXXX and phone # used was XXXX which was my old number from years ago. 

I am sending you a copy of the letter I received from Best Egg and Thank you, XXXX XXXX

Company response to consumer: Closed with explanation