vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I received notification on my credit report of a debt from XXXX for XXXX  cellphone service they continued to try to collect for that was relayed a lingtime ago it was paid at the time. It is XXXX and this company placed it back on my credit report with no bill or any XXXX formation. It is over XXXX yrs  old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient got in trouble with the government for not processing and applying income driven repayment schedules to student loans causing thousands of peoples ' accounts to be reported as late prior to and around XXXXXXXX XXXX. I was a victim of this issue, however Navient has refused for over a year to remove the 90 day late payment reported to the credit bureaus. They're even reporting my account as 120 days late to one bureau and 90 to the others. It has been disputed many times to no avail. It is the only late payment I have ever had with them over the 22 years the account has been opened and it is ruining my credit report and impacting my livelihood. They refuse to reply either on the phone or in writing. They are entirely ignoring that my alleged late payment was due to their error in not applying the proper XXXX terms to account in a timely manner. I also read it was partially to blame on an I.T. problem. 

Please help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Week of XX/XX/23 I had an emergency plumbing issue that needed immediate resolution and hired XXXX XXXX for the emergency repair. Given the bill was astronomically high ( and I am not convinced he didn't inflate the cost because of my gender ), the plumber informed me of a special financing offer through Wells Fargo, which included a no-interest period for a certain duration before interest would accumulate. However, the plumber refused to provide written terms for the offer, and could not confirm the actual interest rate number that would be applied. He made me fill out/sign a document that only contained my personal information without any written agreement terms etc and I assume was forwarded to Wells Fargo XXXX Despite repeated requests, the plumber did not supply any written terms or conditions regarding the account or interest rates PRIOR to me signing the essentially " blank check agreement '' for an emergency repair in which I felt I had no other choice but to agree to because of how much duress I was under without working plumbing. This lack of transparency and refusal to provide written terms or fully explain the terms seems like collusion between Wells Fargo and XXXX XXXX to mislead and trap customers in predatory financial agreements. I paid approximately {$4100.00} of the {$5500.00} total before the end of the no-interest period, expecting to be charged interest only on the remaining {$1400.00} ( approximate ). However, Wells Fargo charged me 29 % interest on the XXXX {$5500.00}, which was never communicated prior to my agreement. The plumber failed to provide any written documentation of the financing terms, leaving me unaware of the actual conditions of the agreement. It is completely unfair to expect me to pay interest on payments already made and no justification from Wells Fargo can legitimize these deceitful practices. This situation is causing me significant financial harm and distress. This situation also highlights a serious issue with Wells Fargo 's continued predatory practices and showcases how out of control their leaders are. Wells Fargo should be fully investigated for any other potentially criminal activities they are performing given their track record in recent years, and their top officials should be held accountable for criminal acts. Furthermore, XXXX XXXX should also face civil and/or criminal charges pertaining to this situation for knowingly misleading and taking advantage of their customers during emergency situations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX account XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IA

Complaint narrative:
I have submitted 3 or more complaints regarding unauthorized transactions on my debit account with U. S. BANK, which did not have sufficient funds to complete transactions. Although it was my understanding that DEBIT meant " only successful in transactions for money in account '' that if there wasn't enough money to completed payment, then transaction HAD TO BE DENIED FOR NON SUFFICIENT FUNDS. But USBANK 's response to my issue was, " on mobile app ONLY, the permission to allow overdrafts is defaulted TO ALLOW... on debit account. I FEEL THAT IS INTENTIONAL FRAUD FOR FEES INCURRED BY THESE NON SUFFICIENT FUNDS TRANSACTIONS. So I immediately opened mobile app and after digging extremely deep into account permissions, I finally found and deactivated the allowance of INSUFFICIENT FUNDS transactions being processed. Us Bank reversed the transactions from XXXX  XXXX XXXX XXXX, XXXX, AND XXXX, removed penaltly fees and put my account bank into positive balance. BUT THEN US BANK IMMEDIATELY ALLOWED SAME COMPANIES, XXXX, XXXX, XXXX, to process SAME TRANSACTIONS. My denial of overdraft permission WAS COMPLETELY IGNORED. This was 2nd complaint w CFPB I filed in USBANK. CFPB kicked it out as a duplicate. UsBank was misunderstanding my complaint. The overdraft default edit to NOT ALLOW, should have been enough defense. And the fact that CFPB closed my cases claiming duplicate and now I read on CFPB website that USBANK is on the list of banks WHO DO NOT CHARGE OVERDRAFT OR NSF FEES. I HAVE A REPORT OF ABUSE ON MY CONSUMER REPORT FROM THE {$130.00} IN FEES CHARGED WHEN US BANK ALLOWED UNAUTHORIZED TRANSACTIONS AFTER I EDITED THE DEFAULT PERMISSION, AFTER MY COMPLAINT TO CFPB, AND AFTER I REPORTED XXXX AND THE NUMEROUS ADVERSE DECISIONS SOLELY BECAUSE OF THIS FRAUDULENT CHARGE SENT TO DEBT COLLECTION AND SEVERELY AFFECTS MY ABILITY TO OPEN BANK 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 non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my CAP ONE - XXXX and CAP ONE - XXXX :. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: MD

Complaint narrative:
Re : Complaint Against Equifax for Violation of FCRA 1681 b ( 2 ) - Permissible Purpose of Consumer Reports.I am writing to file a complaint against Equifax, a consumer reporting agency, for violating the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 b ( 2 ) regarding the permissible purpose of consumer reports. 

Summary of Complaint Equifax furnished a consumer report about me to [ XXXX XXXX XXXX ] in connection with a [ Auto Transaction ]. However, I did not initiate this transaction, nor did I authorize Equifax to provide my consumer report for this purpose. This action is a direct violation of FCRA 1681 b ( 2 ), which restricts the release of consumer reports without consumer consent or for purposes not initiated by the consumer. 

Additionally, Equifax violated 15 U.S.C. 6802 regarding disclosing my nonpublic personal information. I was not provided with clear and conspicuous disclosure that my information may be disclosed to a nonaffiliated third party. I was not given the opportunity to opt-out of such disclosure, nor was I explained how to exercise that option. 
a consumer reporting agency, for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 2 ) ( A ) ( I ). 

Equifax has included information on my consumer report that I believe is in violation of the FCRA. The information pertains to [ describe the information in question ], which I believe constitutes a report of transactions or experiences between myself and Equifax. 

The FCRA explicitly excludes such information from the definition of a " consumer report. '' As per 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), a consumer report does not include " any report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Furthermore, Equifax has not provided any evidence that I gave written permission for this information to be included in my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) used profanity towards me and to also use my deceased friend as a means to gain debt from me which isnt mine. Has called me during my work hours and nonstop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing this letter in reference to my previous dispute submitted to your agency. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved and unverified negative items from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Halsted Financial Services, LLC.
State: TN

Complaint narrative:
I received a call from XXXX XXXX XXXX XXXX, threatening me to pay money from rapid cash or I would go to jail. They also said they bought the information from Calvary portfolio services. when I called Calvary portfolio services they claimed they were a Credit repair company and had no idea when I gave them the information to prove that they stole my identity and gave it to an XXXX call center using XXXX XXXX XXXX as their business contact point. Calvary portfolio services immediately says they gave that information to them yet they are not liable for what they do with it. This is identity theft at its highest. XXXX XXXX XXXX XXXX is using overseas call centers with private American information and asking for your Social Security number. This is highly illegal for both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my 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 non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I requested that companies remove unauthorized inquiries and they refused. 
Capital One XXXX, XX/XX/year>XXXX XXXX XXXX XXXX, XX/XX/year> XXXX XXXX XXXX, XX/XX/year> 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: PR

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states aconsumer reporting agency can not furnish a accountwithout my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: PR

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states aconsumer reporting agency can not furnish a accountwithout 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 2024-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
The information provided by the creditor is inaccurate and is not valid. I was a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
We paid the mortgage as usual every month, {$1600.00}. We reached out to Shellpoint Mortgage as we received a letter in the mail saying our mortgage wasnt paid by XX/XX/2024 so a late fee has been applied. We paid on XX/XX/2024 then online shows that on XX/XX/2024 the fees were reversed. We more sufficient funds in the bank. We sent Shellpoint Mortgage bank statements for XXXX to show that payments were made to the mortgage and we never received the {$1600.00} back in our bank account like they claimed we did. XXXX called Shelllpoint on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and theyre claiming the money was returned because we were ahead of payment for the mortgage yet we are being charged multiple late fees. We asked for proof to show that they returned the money to our bank account along with confirmation number but they said we would need to dispute with our bank. I dont understand how they returning the money to unknown location and late fees being charged to my mortgage has anything to do with my personal bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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