vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this Creditor has violated my rights under 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.

under 15 USCS 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 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 2023-10-24 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: FL

Complaint narrative:
just looked at my credit report, I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 

This item 1. Account XXXX XXXX  XXXX Account number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report.

2. Acount XXXX XXXX XXXX Account number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

XXXX did an investigated and removed the inaccurate information from my credit report but you guys still havent removed the inaccurate information from my credit report which seems sketchy you guys are reporting the inaccurate accounts on my reports with different Dates and different status please remove account immediately everything on my credit report should be 100 % accurate.

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at the address noted above.

Also, I would like to remind you, using the E-Oscar method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe XXXX15 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 inaccurateXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: FL

Complaint narrative:
just looked at my credit report, I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 

This item 1. Account XXXX XXXX  XXXX Account number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 


2. Acount XXXX XXXX XXXX  Account number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

XXXX did an investigated and removed the inaccurate information from my credit report but you guys still havent removed the inaccurate information from my credit report which seems sketchy you guys are reporting the inaccurate accounts on my reports with different Dates and different status please remove account immediately everything on my credit report should be 100 % accurate. 


Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at the address noted above.

Also, I would like to remind you, using the E-Oscar method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe XXXX15 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 inaccurateXXXX

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 2023-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MD

Complaint narrative:
My federal student loans are now managed by MOHELA. During the pandemic I put about {$36000.00} on my loans. I then realized since I am in PSLF I do not need to do this, and I took advantage of the COVID student loan payment refund prior to XX/XX/2023. I did receive confirmation from MOHELA this was submitted and approved. In about 2-3 weeks my loan balance went back up to where it was prior to these payments.

I then asked for information on when I would receive the refund and for how much exactly. I was told twice they can not give me the refund amount and that since U.S. Treasury handles refunds, they can not give me more information. I tried to find contact information for Treasury regarding this issue, and could not. I am a federal employee and am familiar with navigating government, and I could not find anything to help. I asked MOHELA again and they answered my question with nonsense that made it clear the person did not read my question- they said I was past the cutoff, but I had already been approved and was asking about the status ( this message is attached ).

I messaged again and asked for contact information and I have been ignored since. I tried to call but the wait times are so long I can't get through. I now have about {$36000.00} floating around for the last 3 months with no way to track it, know the exact refund amount, or contact anyone to check the status. This is insanely unacceptable and scary - MOHELA was able to increase my balance instantly but refuses to provide me with information or a third party contact to track this refund. This is money I could put into the economy and it is essentially being held hostage with no ransom information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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:
This account should not be reporting to my credit report ; XXXX account # XXXX. 
This company ( XXXX ) was involved in a class action lawsuit, and was in violation of the UCC code.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
on XX/XX/XXXX i check my credit report and i noticed 1 account is not my i never used and never get any benefit for this is the company XXXX XXXX  day open XX/XX/XXXX amount {$280.00} account # XXXX phone # ( 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 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 2023-10-24 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
My wife and I received two {$50.00} gift cards for our birthdays as a gift from our daughter. She purchased " Vanilla Gift Cards '' from XXXX in XXXX on XXXX, XXXX, XXXX. She paid with her credit card. When we opened up the packages that were sealed, we noticed the last XXXX numbers of the XXXX-digit number on the front of the card were erased. These numbers were not punched, they were flat. There were no signs of tampering with the packaging. The cards were placed in the packaging where you were able to see the back of the card and not the front. In my opinion this was packaged at the factory. When we tried to use the cards, they were declined with no money on the cards. I called up the number on the back of the card ( XXXX ) and because the numbers were erased, I needed to submit proof. I submitted via email to XXXX and received a case number. The receipt from XXXX, a copy of my driver 's license and the front and back of both gift cards. I received one replacement {$50.00} gift card and a few weeks later a 2nd replacement card that had on the front of the card typed in " A GIFT FOR YOU {$.00} I called several times and I'm still waiting for the 2nd card. I've researched on XXXX and it seems to be a problem with this company. This is a scam, and they are making it difficult so people will give up and they get to keep your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: VT

Complaint narrative:
The general interest on my card when actually applied equates to roughly 10 % higher than the posted rate on my card and seems to vary based on amount paid. To clarify not the amount of interest but the actual interest percentage seems to vary. 

I have reached out numerous times and nobody seems competent to even understand the issue or prepared to listen to the problem. All I get are promises that the interest is correct with no actual math or material facts to back it up. The highest level of management I can even speak to doesnt even seem capable of listening to any question I ask. 

I have provided them screen shots of their own app as well as all the math I have done for them to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA IS REPORTING AN ACCOUNT NEGATIVE ON MY CREDIT FILE AND SHOULD NOT BE THIS IS ON MY XXXX CREDIT FILE

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 2023-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
Midland Credit Management has called me several times a day for weeks now. They have definitely called more than seven times in a week. They have sent an email threatening to sue me if I did not respond immediately. I have XXXX and other XXXX covered by the XXXX and I am struggling to get back on my feet. My only income is from government assistance at the moment. I am undergoing psychiatric treatment and training to reenter the work force. The repeated calls from various numbers are having a negative impact on my medical conditions. I have records of all their calls on my phone and can prove that they have violated the law by calling me more than 7 times a week. I would like to seek a copy of their records of all phone calls and communications they have sent to me and I want them to cease and desist harassing me for a debt I do not have the capacity to pay. Furthermore I may seek damages against them if they continue to deliberately harass me and aggravate my medical conditions. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Today, on XX/XX/XXXX, at XXXX XXXX, I received a call from Bank of America number XXXX, which number I known because of the call from XXXX XXXX ' at first. We conversed regarding XXXX, which I had much problem due to the disappearance of my business website and email portal and still could not provide any solutions on these matters. Yesterday, I received the call from XXXX XXXX, whom I mentioned previous report regarding Resolution matter connecting your organization, CFPB. In today 's call, XXXX called me about the issue conflicting with my credit card ending XXXX. Since I was tired at that moment, I finished this call just acknowledging it. Now, I wonder she mentioned the card was closed in XXXX, even though I remember I saw the information of it until the beginning of this year and actually, I received a gift card by changing its reward to it and used it at XXXX XXXX. I can check the date of purchase, if necessary. And I received a email from XXXX, one purchase was denied, so I checked XXXX and found out other items in question were purchased by the credit card ending XXXX. I believe the card ending XXXX is usable to purchase my subscription item of XXXX, I will use as a payment method. However, still, I can not see the credit card information ending XXXX and want the replacement card, still. In short, why can I not see my credit card information, even though the charges are made at 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 2023-10-24 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: TX

Complaint narrative:
These XXXX  Accounts have violated my rights According to FCRA ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. ( I DO NOT VALIDATE THIS DEBT ). THEREFORE, THESE ACCOUNTS LISTED ABOVE MUST BE DELETED!

a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer.

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 2023-10-24 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: TX

Complaint narrative:
These XXXX  Accounts have violated my rights According to FCRA ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
According to 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. ( I DO NOT VALIDATE THIS DEBT ). THEREFORE, THESE ACCOUNTS LISTED ABOVE MUST BE DELETED! 
a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: IL

Complaint narrative:
In XX/XX/2023, I applied for a home equity loan with XXXX XXXX. However, during the title search, it was discovered that there was a second lien on our title from the Housing Urban Development ( HUD ). PNC, our bank, advised me to contact HUD to get the payoff statement. When I contacted HUD in XX/XX/2023, I was told that no partial claim was filed with HUD and that I should contact my bank. This went on for a month, causing a lot of confusion. 

Eventually, I discovered that PNC had added {$13000.00} to our mortgage loan and filed an Assignment of Mortgage from HUD to PNC on XX/XX/2023. Upon seeing the document, I called PNC to request a payoff statement for the XXXX XXXX mortgage. However, the bank informed me they could not provide me with a separate statement for the HUD lien transferred to PNC. They only offered a payoff for the mortgage, including the $ XXXX. 

Unfortunately, the loan processor assisting us with the home equity loan at XXXX XXXX  told us that they could only proceed with the application if we provided a payoff statement for the second mortgage lien of {$13000.00}. However, PNC refused to offer the statement, leaving us in a difficult situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: AZ

Complaint narrative:
Im disputing account XXXX XXXX XXXX  : XXXX, for reporting inaccurate information the original creditors are XXXX not XXXX XXXX, reporting inaccurate balance of {$880.00} instead of {$750.00}, this collection also reporting an payment history which is an error. Failed to mark the account as under dispute within 30 days from my first dispute on XXXX XXXX XXXX 

Please delete this account. 



I would like to also request 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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Im disputing account XXXX XXXX XXXX XXXX XXXX, for reporting inaccurate information the original creditors are XXXX not XXXX XXXX, reporting inaccurate balance of {$880.00} instead of {$750.00}, this collection also reporting an payment history which is an error. Failed to mark the account as under dispute within 30 days from my first dispute on XX/XX/. 

Please delete this account. 



I would like to also request my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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