vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2023-01-13 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I recently pulled my credit and notice an account that was showing up as a charge off. I knew this was inaccurate, so I sent XXXX XXXX a letter to investigate this back in XXXX of XXXX With their investigation they updated the account and removed the balance they were reporting, as well as they sent me a refund check on that loan ( which was the same amount that they showed I owed. ) So obviously it was inaccurate. Then I sent a letter in XX/XX/2022 to EXPERIAN to investigate the account because EXPERIAN is still reporting it as a charge-off in the payment status. There has been no update, no investigation and this error is harming my ability to finance a home. The account was never charged-off. I have included The letter I sent to them, a copy of the check they sent me for the refund, and the copy of letter I sent to EXPERIAN. A PROPER INVESTIGATION, NOT JUST VERIFYING THAT THE NAME AND ADDRESS MATCH, THE ACCOUNT IS REPORTING CLOSED, SO DO NOT RESPOND WITH WE VERIFIED THIS ACCOUNT AND THE ACCOUNTS REPORTING CORRECTLY .... BECAUSE IT IS NOT REPORTING CORRECTLY.

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 2023-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 non-monetary relief
Consumer complaint received 2023-01-13 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: TX

Complaint narrative:
Good morning, My student loans were transferred to Mohela in XXXX and then I called Mohela to find out about PSLF one time review that Biden set-up ( not the $ XXXX forgiveness for students who have grants but a review to see if my entire balance may be forgiven ) and I was told it would be in my best interest to re-consolidate my loans. 

Following this recommendation, I reconsolidated and my loans were returned to Mohela on XXXX My PSLF payment count still shows zero and it has been 3 months. They have been telling me all along to give them 90 days to update my payment count. Now that it has been 90 days, they are telling me to wait 90 BUSINESS DAYS. This is ludacris. I know that they have a lot of loans to process, but I have spent hours and hours on the phone and no one can tell me anything except to wait. 

I little while back I was told that they started working on my loans forgiveness on XX/XX/ and to allow 90 days from that date. But there still hasn't been any movement on my loans, at all. My payment count still shows zero, and now they are telling me to wait 90 business days? Prior to consolidation I had almost 100 payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Can you please help me? I applied for the one time review prior to the deadline of XX/XX/ and I am becoming VERY concerned. This morning I did an online chat with a gal names XXXX and she couldn't tell me ANYTHING except to wait 90 business days. 

Warm Regards,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
In XX/XX/2022, I got a Vanilla Gift Card number, on the second transaction the card was blocked for some unknown reason, the balance of {$20.00} remained on the card. 
I tried to contact the providers from the bank that owned this card, for three days in a row, I called the phone number indicated on the card and on the website... 
Every time I called, I spent about two hours trying to reach a customer service representative on the phone. 
And finally, on the third day of my calls, I was lucky, a representative of the company answered me and said that they had a technical error in the system, my card was blocked for a reason she and I did not understand, and the Vanilla Card company would send me a new card in return blocked. 
After another half an hour of waiting on the phone, she said that they were having problems sending cards due to a system failure and put me in touch with her supervisor. 
After an additional wait on the phone, for 40 minutes, the phone was picked up by the same representative as the previous one, kept me on the phone for another half hour, and the same story repeated itself, that is, he said he needed to contact the supervisor (? ) and when I asked, why the previous representative sent me to him instead of the supervisor, the representative named XXXX, I immediately said : I am the supervisor, but I can not help you, we have a technical error in the system and I recommend that you call again tomorrow. 
This is the fourth day in a row that in order to achieve something and get a balance of {$20.00} back, I have to call four days in a row, spend at least one and a half to two hours a day on the phone and all to no avail! People who work for this card absolutely unprofessional, absolutely unable to help the client in any way. 
The calculation of the administration of this bank / card is based on the fact that people, ordinary Americans, simply do not have time to stand on the phone for hours because of small balances of {$20.00}, {$30.00} dollars and using this they are engaged in fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I contacted the DEBT COLLECTOR and explained to them that the debt is not mine- I called them in on XX/XX/2022. 
I sent them a copy of the court document showing that the COURT shows the debt is NOT mine and that it is MY EX HUSBAND 'S who got the credit IN MY NAME without MY PERMISSION - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The company did nothing. 

I emailed them as well and they have not removed the debt they KNOW if not owed to them by me in OVER 60 days. In fact, last week they RE-REPORTED IT to all 3 credit bureaus knowing they have COURT documents showing different. 
Attached is my DIVORCE DECREE indicating the account they are attempting to collect a debt on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This particular account was supposed to be draft out of my account. There was a billing error that caused credit reporting to be showing ( 2 ) 30 day lates. My account has never been 30 days late.

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 2023-01-13 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:
ON THE ATTACHEMENTS ARE MY TRANSUNION CREDIT REPORT IM DISPUTING IN METRO 2 COMPLIANCE. SHOWING ALL MISS INFORMATION INACCURATE REPORTING.

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 2023-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
Convergent Outsourcing Inc. keeps trying to collect a debt from me that is not mine and was not authorized by me to open and account and I don't live at the residence where the cable was installed at. I have asked them to remove me from collections and remove the credit reporting from all 3 credit bureaus as the debt is not mine and it was not authorized by me. Please have them remove this ASAP

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 2023-01-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom ever this may concern my name is XXXX XXXX XXXX. XXXX reaching out on behalf of my credit report /credit score. I was a victim of fraud and fraudulent activity. I sent in hand written documents as well as POLICE reports to prove the identity theft.my credit score and credit report were damaged by this. As a result like I said before I sent out police reports hand written documents to the federal trade commission, Experian, XXXX, XXXX. As of now my credit score is still low because of the crimes and my credit report has delinquencies and late payments because of these fraudulent accounts that lingered on my credit report. At this time i appreciate anything you can do too help generate me a very high credit score for this happening any compensation would be greatly appreciated for this has been very hard too live with Im been facing hardships, poverty, homelessness due too these crimes I never committed.

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 2023-01-13 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
XXXX OF CREDIT PAID IN FULL ON XX/XX/XXXX VIA XXXX WIRE  TRANSFER. 
FOR WHATEVER REASON XXXX  DID NOT POST THE PAYOFF TILL XX/XX/XXXX. 
PROOF OF WIRE IS ATTACHED TO SEE FOR YOURSELF. 
DUE TO THEIR XXXX IN NOT PAYING OFF THE LOAN WHEN THE WIRE FOR THE PAYOFF WAS RECEIVED ON XX/XX/XXXX I WAS NOTIFIED THAT I WAS REPORTED AS XXXX DAYS DELINQUENT FOR THE XX/XX/XXXX. 

THIS HAS CAUSED ME IRRERAPABLE DAMAGE TO MY CREDIT. 
I HAD CREDITORS CLOSE SOME OF MY ACCOUNTS. 
I HAVE IMPECCABLE CREDIT IN MY XXXX YEARS OF CREDIT HISTORY. 

I REALLY NEED HELP ON THIS AS I CANT GET THIS TO BE CORRECTED AND MADE RIGHT. THIS IS VERY UPSETTING TO SAY THE LEAST AND TIME CONSUMING REMOVE THE INCORRECT CREDIT REPORT BUREAN DELINQUENCY REPORTED FOR XX/XX/XXXX : NEED XXXX TO REIMBURSE ME FOR ALL THE DAMAGE DONE BY THEIR XXXX VIA SOME KIND OF SETTLEMENT ON THIS. 

PLASE FURTHER ADVISE WHERE I SHOULD BE SENDING ALL PROOF OF PAYMENT PLEASE ADVISE ON THIS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
There has been an issue with Hyundai Finance and local customers. When a customer leases a car through them and a total loss happens, when the value of the car is less than what is owed, GAP comes into play. When the market value is more ( which is happening recently ) than what is owed on the contract, they say it's just their practice to take the whole current value and not return what is due to the customer. Insurance even stated that this should not be occurring. Our legal contract says that the standard formula will be used to calculate the value which uses the difference between current market value and residual value of the vehicle based on what is remaining in payments and payoff of car at term. When I went to the sales office in XXXX yesterday ( XXXX ) to speak to the finance XXXX, he said their actions were wrong and he has heard that Hyundai Finance has been doing this recently to consumers in the area. In fact, he had specific occurrences of customers that they did this to including a XXXX employee. What are the next steps in having this investigated? 

I've attached the contract where it states in # XXXX that in the case of a total loss, that the standard formula will be used to calculate the value owed on car. This is listed in # XXXX. XXXX has decided to capitalize on the current market and punish the consumer which my contract does not state can happen. When speaking to the financial XXXX, XXXX, on XX/XX/ after a month of calling and awaiting a return call, she states that this is just their standard practice and she could not find any lingo in the contract stating this was acceptable. They violated my contract on the car.

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 2023-01-13 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: Nelnet, Inc.
State: TN

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. 

DEPT OF ED/NELNET : # XXXX, XXXX, XXXX & XXXX. Late payments reported on Credit Report for XXXX, XXXX and XXXX are not correct. No 30 or 60 days late being reported, however 90, 120 & 150 days are being reported after on time payments. 

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 2023-01-13 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
In accordance with the fair credit reporting Act this creditor XXXX  XXXX has violated my rights under 15 USC 1681 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a lease with XXXX XXXX and they are destroying my credit. 

My payment information is incorrect. My name is mis-spelled. I have tried to correct it numerous times with the company. This has led to endless confusion. 

They have reported that I have been delinquent on payments. 

I am attaching an excerpt from my billing statement from XX/XX/2022, which was a month where they claim I was delinquent past 30 days. I can supply the full statement if necessary. 

At the bottom, it shows that the total amount due as of that statement is {$0.00}. Yet that same month they reported me for being delinquent. 

I've called them and spoken to senior managers who claim they " are not able to access my statements '' due to " system issues ''. Multiple times.

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 2023-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc.
State: TX

Complaint narrative:
after reviewing an updated consumer report I have analyzed that SELF has reported a late payment of {$25.00} in which this account was to help build credit my account. This account is being furnished to a third party credit reporting agency but is violating 15 USC 1666b Timing of payments where no payment shall be deemed as late. As a result of the XXXX my finances were directly affected in which have directly affected my ability to repay, my financial reputation is being tarnished due to this account being negative. Also my rights to financial privacy and non public personal information is also affected which violates the GRAMM-LEECH AND BLILEY ACT , Fair Credit Reporting Act, Code of Federal Regulations. This financial institution is breaching its fiduciary duty 15 USC 689n

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
On XX/XX/2023 I received a missed call from Source Rec Mgmt. I returned the call which was answered by a representative that was very rude and dismissive. He asked my name and read an address to me and asked if that was familiar. He then went on to tell me this was in regard to XXXX XXXX XXXX  XXXX I attempted to explain that it was a dispute as I returned the phones and didn't receive credit for them. After asking how much I thought the phones were worth he said if he could get his XXXX to approve {$400.00} would I pay today. I said no as that doesn't clear the fact that the phones were returned. He became very indignant and condescending and tried to tell me there was no difference. He then said he doesn't have time for this and hung up. Throughout this call there were several violations of the Fair Debt Collection Practices Act as well as other regulation. He never recited the required rights outlined in the FDCPA as the XXXX. He never stated that the call is being recorded. He never accepted and stated he would investigate my dispute as required by the FDCPA. And I would like this agency to dismiss my alleged debt, remove it from my credit report ( or appropriately update it to a dispute ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Between XXXX I made bill payments to multiple companies. On XX/XX/XXXX I made a payment to XXXX XXXX for {$550.00}. On XX/XX/XXXX there were a total of 3 separate payments to XXXX XXXX XXXX XXXX. One of these payments was fraudulent and posted to my Wells Fargo account. 

The next day on XX/XX/XXXX the payment I made to XXXX XXXX posted to my account and caused my account to overdraft. I talked to XXXX XXXX and they returned the accidental payment of {$420.00}. However due to Wells Fargo 's bad accounting practices, when the money was returned my account was in the negative and only {$95.00} was made available to me. I confronted Wells Fargo about this on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I talked to them over the phone about the issue and on XX/XX/XXXX I went to my local Wells Fargo bank to address the issue. This shouldn't have happened because I specifically set all my accounts to decline ALL transactions if I have insufficient funds. Meaning Wells Fargo 's accounting was bad. 

Wells Fargo claimed that the missing money from their bad accounting was not their liability and everything posted how the financial system normally works. I disagree. I can not control Wells Fargo 's bad accounting but I can control where I put my money. 
I have literally just watched Wells Fargo launder money.

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 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CORELOGIC INC
State: NM

Complaint narrative:
I viewed unauthorized hard credit inquiries on my credit report from XXXX XXXX XXXX  on the following dates : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. 

I viewed unauthorized hard credit inquiries on my credit report from CREDCO finance on XX/XX/XXXX, as well as XXXX XXXX, XXXX. 

I viewed unauthorized hard credit inquires on my credit report from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

These WERE NOT authorized.

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