vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 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: CA

Complaint narrative:
This is my fourth time requesting to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: CA

Complaint narrative:
This is my fourth time requesting to opt out.

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 2024-01-12 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: CA

Complaint narrative:
I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I tried for 3 days and multiple times and multiple numbers including corporate offices to get a person to unfreeze my credit or correct contact information in my file. Pin has been lost. company has incorrect cell phone number and can not send info to landline phone. I have concluded that Experian does not intend to use real people to solve problems, even those that can not be resolved by websites or computers, or even mail.

Therefore, I am asking the government to provide a way that I can OPT-OUT of this private company collecting and providing information to businesses about me and others. Alternatively, the cfpb should provide this vitally important service rather than any private company. Other issues that need addressing by the cfpb are : 1. I had perfect credit. Inadvertently missed a payment on new card because mail lost mail. Credit score dropped XXXX points, from XXXX to XXXX. This is utter nonsense, and represents an algorithm bias against consumers. Companies charge consumers more the lower the credit score. 
2. Inquiries, scores drop XXXX points because of a hard inquiry that stays active for years. Companies solicit consumers with excellent credit by providing bonuses, as much as {$1500.00} for a new card. this is too much to pass up. Yet my score drops every time I apply for a new card despite perfect credit. 

Conclusion : Take this vital process out of the private sector. All other vital statistics, birth and death records, social security numbers, criminal records, etc. are administered by government entities. Credit should be also. Especially when the 3 companies have demonstrated they do not have the public 's best interest at heart, but those of corporations that pay them for services.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have been trying for the past year to get XXXX to stop their negative and inacurate reports concerning my Federal student loans. XXXX has repeatedly refused to stop their negative reports which has caused me great harm as a XXXX XXXX XXXX XXXX XXXXXXXX veteran, currently XXXX  and trying to secure financing to by a house. 
for 7 years had been on an income based payment of {$0.00}. the last year of the loan prior to the loan being closed ( it should be discharged due to XXXX XXXX VA XXXX ) they required me to pay {$1.00} per month even though my income had not changed and my living situation had become much worse ( homelessness ). i disagreed with their request because i felt as though they were doing this in an attempt to trick me into paying this {$1.00} amount so as to reset the number of years at {$0.00} needed to discharge the debt. At the same time Covid happened and i felt i was not required to make a payment as my loans were Federal loans. 
XXXX began destroying my credit by reporting all 5 loans as delinquent. One month i was reported as current... the next 90 days late ( how is it possible to be 90 days late in the span of 30 days? ) They deliberately began reporting me to try and force me to make the {$1.00} payment ( it should have been {$0.00} ) thus resetting the consecutive number of years at {$0.00} so that they would be able to continue to collect on the loans and not discharge them. If this is not an illegal act... it should be. They created a situation so as to coherse me into doing something that was not in my best interest. they continue to report adversely even though the account is closed. i want them to stop causing me undo harm, please.

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 2024-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MN

Complaint narrative:
Mohela states that I am responsible for interest accrued on my consolidated loan that was put XXXX the wrong payment plan. I requested the REPAYE knowing I would end up on the new XXXX plan. They put me on the XXXX plan. 

They also stated that the accrued interest above my payments on the XXXX plan will accumulate in the accrued interest bucket until the end of the year. That is when the government forgives any unpaid accrued interest. 

I thought this was monthly. I had planned to use my property tax refunds I receive in XXXX to pay some principal on my student loans. However, according to Mohela I will have to pay the accrued interest bucket first before anything is applied to principal. This accrued interest bucket will include interest the government was to forgive under the XXXX plan. 

I dont believe the spirit of the XXXX plan was to hold the accrued interest for year. I also dont believe I should be responsible for interest that accrued on the Level plan when I selected the XXXX plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I returned a hot tub that I bought from Amazon. I have a tracking number. I was never credited for the return. I have disputed the charge with synchrony bank 3 times. They said the item wasn't returned properly. It was bought on XX/XX/2023. I was charged {$3900.00}. It was picked up by truck on XX/XX/2023. The tracking number is : XXXX. Synchrony bank continues to bill me and will not credit my return.

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 2024-01-12 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: OR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Hi, We have summited to our bank proof of insurance more then 2 months ago and they keep charging us for insurance and not refunding the escrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: AL

Complaint narrative:
I provided victim determination documentation that has been unlawfully rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Aspen Yo LLC
State: CA

Complaint narrative:
I filed a complaint. On XX/XX/2024 I received an approval for a modification. The modification requested over {$30000.00} by XX/XX/2024 with mortgage payments of {$1900.00} a month. This modification did not ever address that I had a forbearance. I was charged late fees, legal fees, thousands of dollars of unknown fees. My forbearance was authorized by XXXX and than transferred to Gregory. It appears Gregory knew nothing of this forbearance plan. I never received any documentation concerning this loan from XXXX. I had been requesting a loan modification for an entire year and was approved with a lump sum request within 5 days. The approval also clearly stated if I didnt accept and pay this agreement by the XXXX I would not be allowed to appeal the offer I received from Gregory

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I've had a year-long wrestling match with Wells Fargo about a business savings account. 

The accounts I opened for The XXXX XXXX XXXX in XXXX are : XXXX XXXX The prior accounts for the same LLC opened in XXXX are : XXXX Last week, Wells Fargo informed me that the XXXX accounts were opened correctly -- not requiring signatory from The XXXX XXXX XXXX, XXXX XXXX member of the XXXX. 

They informed me that the XXXXXXXX  accounts were opened incorrectly -- and did NOT require signatory from The XXXX XXXX XXXXXXXX XXXX XXXX member of the XXXX. 

Throughout XXXX, I was informed by prior Wells Fargo reps it's the law Wells Fargo get signatory from members who hold more than XXXX XXXX 

I need copies of the law which prove what they're claiming is legally accurate.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Good day, I have a credit card with Fifth third bank. My credit card reports to the credit agencies every month on the XXXX. My account was reported twice in 30 days to credit agencies to XXXX and XXXX which is not correct. My credit score dropped XXXX points due to system error or manually inputted incorrectly. XXXX is the only one reporting correctly. 

I spoke with a supervisor at fifth third and she said she did not see my account reported on the the XXXX of XXXX and she would open an investigation to see if or why it was reported. However, my credit score dropped do to their system error or it manually being inputted in the system.

I also spoke with two representatives from Fifth third and they did not know or understand due to not speaking clear XXXX and one saying that there is nothing that can be done. Also she said they can not change nor update anything.

I've never been late nor missed a payment on this account. I also spoke with all three credit agencies and XXXX and XXXX states that Fifth third reported to them. I feel discriminated against due to my race and credit from a banking company. 

I know that credit updates on reports are only updated once a month not twice within 30 days. This is hendering my quality of life. So I would like this issue to get resolved as soon as possible so my points on my credit is corrected and I can continue to pursue my quality of life as the next person. 

Can someone please assist me in getting this issue corrected. Please advise. 

Best regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: CA

Complaint narrative:
I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.

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 2024-01-12 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: CA

Complaint narrative:
I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.

Company response to consumer: Closed with non-monetary relief