vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I spoke with Navient in XX/XX/XXXX about a potential late fee over the phone and through their messaging system. The rep over the phone said as long as it was paid by a certain date, ( which was a few days into XXXX ) a late fee would not be applied. I paid the loan before the late fee, so no late fee was applied. I continued to pay my loan before the late fee date. 

The ONLY date that was missed was for the XXXX payment, and the late fee was applied for {$3.00}. I paid that late fee and even made XXXX payment early. 

I noticed another {$3.00} fee was added to my account when XXXX statement was generated online. At this point, I was in the hospital recovering from emergency XXXX and decided to deal with it when I was XXXX. 

After I was XXXX, I emailed Navient through their messaging system on XX/XX/XXXX asking about the late fee and how it should be removed since I paid the XXXX late fee I owed. 

However, I have never been XXXX month behind as I have only been a couple of weeks behind at most. Clearly if I were XXXX month behind, this would have been on my mothers credit report as well as my own ( It is not. ) I am attaching the payment history as I am not paying the late fee since it was paid. I would like this resolved quickly as it looks like they are attempting to make up past late fees, which is not legal. Again, I paid within the date before late fees were applied. Navient gives you until a certain date through the next month before late fees are applied and I have only missed this date XXXX time. 

The response I received is below from XX/XX/XXXX Your loan ending in XXXX has been XXXX month behind on payments since your XX/XX/XXXX payment due date. The payment for this due date was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX then was returned on XX/XX/XXXX. Due to this returned payment, a XXXX XXXX was assessed on XX/XX/XXXX. Please note a XXXX XXXX can not be satisfied until it is disclosed on your monthly statement. Payments made before the disclosure of the XXXX XXXX will not be applied to the XXXX XXXX and can not be altered. 

We appreciate the opportunity to serve you. 

Best Regards, XXXX, XXXX Servicing XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

15 " USC1681 Section 602 " States I have the right to privacy.

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

15USC 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 non-monetary relief
Consumer complaint received 2023-07-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had a decrease in finances the last 2 months. I was not able to pay Capital one in XXXX and XX/XX/XXXX because my husband was sick and income was lost. Capital One has refused to refused to waive late fees for XXXX and XX/XX/XXXX after they CLOSED my accounts on XX/XX/XXXX and REFUSED to accept the approval of an ACTIVE DEBT MANAGEMENT PLAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing XXXX XXXX XXXX XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
'To Whom It May Concern : 15 USC 1681b 'This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. 
Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety Further, I request verification, Validation and proof that this alleged Debt and Child is mine! In addition I want proof of, a copy of a contract or agreement. Said contract or agreement must be with the a creditor and signed by all parties involved, You are illegally attempting to collect the above-listed debt and money that I do not owe. 
Cease and desist all collection activity, including all reporting to consumer reporting agencies. 
Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days, then you are excused from verification. 
I have not given you written permission to put anything on my consumer report, 15 USC $ 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
You have no permissible purpose by law to contact third parties with my private or personal 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 a account without my written Instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX XXXX, Representing Midland Credit Management had filed a suit against me regarding XXXX accounts they claim i owe. I communicated with the with a refusal to pay and to close all accounts as they are clearly violating my consumer protective rights. XXXX, XXXX XXXX XXXX, XXXX has not closed these accounts after their suit against me has been dismissed. CASE INDEX NUMBER # XXXX. XXXX XXXX XXXX XXXX. This case has been dismissed and should be closed down. The debt statute of limitations has expired in XXXX according to the CCFA the statute of limitations on collecting a debt is 3 years and I have refused to pay any amount on the debt. these violations will not go unnoticed. This account is no longer collectible and the judge has made the decision on dismissal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, XXXX XXXX XXXX and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing XXXX XXXX XXXX  concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: McKenzie Management LLC
State: MD

Complaint narrative:
On XX/XX/2023, I sent an Apple Cash payment to a family member in the amount of XXXX. At the time, I didnt realize I had a balance of {$27.00} on my Apple Cash  card, so it deducted that balance and debited the other {$620.00} from my XXXX checking account. The next day ( XX/XX/XXXX ) when I saw the transaction in my checking account activity, I did not recognize the amount ( and frankly, in the moment, I didnt even recall sending the Apple Cash payment for XXXX the day before ), so I mistakenly filed a dispute with XXXX and told them I had not authorized that transaction. The next day, XX/XX/XXXX, I realized my mistake and called XXXX to withdraw the dispute. They quickly sent me a letter indicating that they understood I no longer wished to dispute that transaction, that they had closed their investigation and no further action would be taken. I have attached that letter in PDF format. My Apple Cash  account, however, has been restricted ever since and I have not been able to restore access to this service, which I have routinely used for years. Ive spoken with both XXXX and Apple Cash Support at least 30 times over the last 4 months. Every time, without fail, Apple Cash insists that they can not restore my account until XXXX withdraws the original dispute. XXXX repeatedly insists that they have no way to notify Apple Cash or withdraw the dispute on my behalf. It appears that the systems that manage these types of fraud claims are completely automated and are mutually incompatible - Ive elevated my complaints to numerous supervisors and fraud specialists and have been told repeatedly by both XXXX and Apple Cash Support  that nothing can be done to withdraw the dispute and restore access to my Apple Cash account. Ive also been told by XXXX that they use a third party agency called XXXX XXXX to manage their fraud claims, and that they have no way of contacting XXXX XXXX to withdraw this particular dispute. Apple Cash has indicated that their customers use other banks that also use XXXX XXXX for fraud resolution and have never experienced this problem. But it appears I am permanently locked out of a service that Ive used for years because I mistakenly disputed an authorized transaction, and XXXX and Apple Cash are unable or unwilling to withdraw or otherwise resolve this dispute.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

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 2023-07-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2023 via certified XXXX mail a letter was sent Experian requesting Incorrect personal information be removed from my credit report. In this letter the correct info was provided and proof of changes were also requested. 

As per the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ), I have the right to dispute and request the removal of inaccurate information from my credit report, and for this to be done in a timely manner. To date, Experian has not responded to my request nor have they updated my account. 

I am a victim of Identity theft and this absolutely continues to make me susceptible to 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 non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-07-06 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: EQUIFAX, INC.
State: AL

Complaint narrative:
My student loans were discharged on XX/XX/2023 due to total and permanent military XXXX. XXXX is the only credit reporting agency who has removed the student loans from my credit report as instructed by XXXX and the Department of Education. I have contacted Equifax and XXXX on several occasions and provided them with documentation and they still will not remove the loans. This is preventing me from being able to obtain a mortgage or anything else. They keep giving me the run around saying their is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: FL

Complaint narrative:
I am writing to bring to your attention a violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) by your agency. My name is XXXX XXXX XXXX, and I have recently discovered that certain items in my credit file were previously deleted, but they have been reinserted without providing me with the required notification within 5 business days. Furthermore, it appears that these items were not properly validated as per the certification requirement.

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 2023-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
1main Financial of XXXX XXXX Illinois submitted multiple, unauthorized drafts to my checking account with XXXX XXXX XXXX located in XXXX XXXX, Il causing the bank to CLOSE my checking account and Savings account. 

They drafted my account EVEN after I submitted a payment. 

Now I owe the credit union over {$300.00} in overdraft fees and worse, 1main has levied non-sufficient fund fines on top of my loan with them. Isn't this illegal??!? What can be done?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: GA

Complaint narrative:
After XX/XX/2023 I received notification by mail that my Mortgage holder, Aimloan.com, had changed their payment processing address from the state of Illinois to XXXX, California. I changed the payment address before scheduling my XX/XX/2023 payment to arrive on XXXX at the XXXX XXXX XXXX XXXX, CA. By XX/XX/2023 my payment to Aimloan had still not processed and my loan payment was recorded as late. I contacted Aimloan ( which provided no help ) so I schedule another payment through Aimloan website ACH payment for the XX/XX/2023 payment. I contacted Aimloan and told them that they could process the mailed check for the XX/XX/2023 payment. They obviously received the check because they processed the check toward the XX/XX/XXXX payment on XX/XX/2023. I checked the account online on XXXX to see that the check was now no longer applied for the XXXX payment but was in an escrow account and after calling I was told that a check had been mailed to me. As of today, XX/XX/2023 I have not received said check. My ACH payment through Aimloan website for XX/XX/2023 was processed but the account that the funds are drawn from has not been debited. I believe there is a problem with the Aimloan company. I am very concerned and I want Aimloan.com investigated.

Company response to consumer: Closed with explanation