vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the inaccurate account that continues to appear on my credit report Despite my previous attempts to address this matter, the erroneous information persists, impacting my creditworthiness. Furthermore, I believe that there have been violations of the Fair Credit Reporting Act ( FCRA ) in the handling of this dispute. 

Under the FCRA, consumers are entitled to accurate and fair credit reporting. It is evident that the continued reporting of inaccurate information constitutes a violation of my rights under the FCRA.

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 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hilton XXXX XXXX offered me a promotion to sign up with their Hilton-American express credit card in XX/XX/XXXX during their event which I attended with my sister on XX/XX/XXXX. The promotion stated that if I make a purchase of {$2000.00} WITHIN 6 months of membership, I will receive XXXX points. I made a picture copy of this promotion. Then my sister and I signed up for this card that same day, XX/XX/XXXX. 
My sister made a {$2000.00} purchase and received her XXXX points. I made my {$2000.00} purchase by XX/XX/XXXX, which is still WITHIN the 6 months membership but I only received XXXX points upon fulfilling that requirement. I escalated this issue with American Express twice and with Hilton 3X and they refused to grand me the remaining XXXX points. 

This is a deceptive business practice. 

My Hilton Honors # is XXXX. 

My AMEX Hilton Honors card that I signed up on XX/XX/XXXX is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: WA

Complaint narrative:
this account has been sold to many collection agencies, after talking directly to XXXX XXXX, for an account that was open longer than the required min time frame. The collection is not valid and should be removed from my record. the original date of service started in XXXX and was cancelled in XXXX, the collection on my credit report looks like it was from XXXX. FYI, XXXX XXXX was sold to XXXX, which is why this collection is resurfacing after being confirmed paid in full. all equipment was returned to XXXX XXXX in 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 2024-04-26 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-26 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: IL

Complaint narrative:
I am writing to dispute the inaccurate account that continues to appear on my credit report Despite my previous attempts to address this matter, the erroneous information persists, impacting my creditworthiness. Furthermore, I believe that there have been violations of the Fair Credit Reporting Act ( FCRA ) in the handling of this dispute. 

Under the FCRA, consumers are entitled to accurate and fair credit reporting. It is evident that the continued reporting of inaccurate information constitutes a violation of my rights under the FCRA.

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 2024-04-26 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: LEXISNEXIS
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: PA

Complaint narrative:
I have always made sure that payments on this account are made on time, never allowing them to become overdue. I am unsure about the reasons for reports of late payment remarks on my accounts. Corrections should be made according to 15 USC 1666b - Billing Error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: NJ

Complaint narrative:
I am writing to follow up on my previous communications regarding the inaccurate entries on my credit file. Despite multiple attempts to request the deletion of these negative entries, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: NJ

Complaint narrative:
I am writing to follow up on my previous communications regarding the inaccurate entries on my credit file. Despite multiple attempts to request the deletion of these negative entries, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning.

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 2024-04-26 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: LEXISNEXIS
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
We have been trying to contact Mohela for more than six months regarding an FSA XXXX XXXX loan that we took out for our child. We have written emails, we have called and been on hold for hours, we have texted through their portal, all to no avail. As of recently, their website is inaccessible as well. We get absolutely no response except a form letter stating that our account is in arrears. We are desperately trying to work out a payment plan that is reasonable, considering we have limited income. 
We have ever done everything that we could possibly do to contact Mohela regarding this account and gotten nowhere. Not only is it frustrating, and incredibly time consuming, It is distressing to know that our credit will take a hit due to inaction by Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I tried to call all the numbers associated with Experian today XX/XX/2024. I called XXXX and XXXX XXXX with the same request and had no problems from them making the corrections. But the presentative from Experian would not honor my request. When I called all the number listed with Experian, they all are impossible to speak with a representative and all access is totally impossible to get through to anyone. They most start with some form of solicitation of which is totally frustrating and a clear violation of conflict of interest. I would think they would know the laws just past would put them on notices in how vulnerable their actions are to consumers. I also went on the website which is not user friendly at all and had a very complicated virtual conversation with a representative that refused to honor my request of making the corrections that requested, as I did with the other agencies. I told them a lot of the information was inaccurate and they kept saying that it wasn't. I told them due to the inaccuracies I have been subject to fraud and would not put the accurate information I requested. I am formally requesting my correct name, current address and employment status be the only things on my profile.

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 2024-04-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I have requested that you explain why you denied my student co-signer release request last year. You failed to provide details about the specifics on my debt to income ration ( DTI ) when you replied on XX/XX/XXXX. Additional and new documentation were submitted with my SECOND application on XX/XX/XXXX so please provide the following : 1. Whether you reviewed the NEW documents submitted with the last co-signer release application XXXX XXXX, Tax returns showing rental income in schedule XXXX, XXXX, and pay stubs ) on XX/XX/XXXX ( Thursday ) with REVISED income. You replied with the denial within less than XXXX business hours on XX/XX/XXXX ( Monday ) suggesting you did not conduct a through review of the documents. 

2. Explain how you calculated my Debt to Income Ration ( DTI ) between XX/XX/XXXX and XX/XX/XXXX. 

3. Confirm that the calculated DTI was 75 % as stated by two of your servicer 's representatives to me and my co-signer on a recorded call on XX/XX/XXXX. We were initially advised by your servicer 's representative at the beginning of the call that the XXXX was 75 %. Then when we spoke with a supervisor, we were advised that the information was not releasable. When we spoke with a higher supervisor, we were advised the DTI was 75 % indeed. ( The call has cost me an additional {$58.00} in phone bills for international calls as I am stationed overseas due to a military assignment ) 4. Release required DTI your underwriters use for co-signer release review. If you can't release it, please explain why you do not release the borrower 's required DTI like most lenders would do when a borrower is applying for credit. 

5. Explain why you did not disclose in your advertising before we signed the promisory note on XX/XX/XXXX that there would be other requirements in addition to making 24 consecutive payments on time ( e.g. that I would have to meet underwriting requirements ) like you had advertised. 

6. Confirm that you have not released other borrowers ' cosigners with the same or higher DTI and lower credit score. 


Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCF Intermediate Holdings LLC
State: PA

Complaint narrative:
On XX/XX/year>, I had a phone call come in and was answered with an automated message stating my name, the last 4 of my SSN, that my wages at my employer were going to be garnished for debt that I owed to " XXXX XXXX. '' I've never done business with a company by this name. I held the line and a man came on and demanded I say that I was ( my name ) or he couldn't tell me anything. I commented that if he called me then he should know who I am. But, finally I agreed. He asked for my DOB and I gave it. He said that I'd gotten a check cashed at this place and that I'd never paid it off. I argued that it was fraud because I hadn't done business there. He hung up on me. 
I called back and spoke to a woman who answered the phone as XXXX, XXXX and Associates, who said she would send documentation to my email she had on file. I received the unprofessional letter from a XXXX but it contained no detail, referenced " XXXX XXXX XXXX '' and had no proof of contract. She said those documents were with the lawyers to which I responded that with all the digital capabilities it was ludicrous that she wouldn't have a copy of the contract. She said that they would proceed with taking me to court and that I could pay the debt many times over. I asked when it was incurred, and she said 7 years prior. I asked why this was the first time calling me in 7 years? She mentioned XXXX old addresses for me and I told her I didn't live there. I told her if it was my debt, that I would pay it, but that I would need to see the original contract. She said that was fine and that I should make better decisions and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This would be my third complaint to the consumer finance protection bureau regarding Bank of America prepaid unemployment card. In XXXX I was living in a not so great part of XXXX XXXX after my XXXX and I was having issues with mail and everything else my debit card from Bank of America had gotten stolen a couple times, unfortunately I was going through XXXX at the time and really didn't have the energy for the XXXX hour waits on the phone etc. I filed a claim on XX/XX/XXXX XXXX some of the charges that I noticed were fraudulent, as of today 's date that claim is still pending investigation. I also have three other claims that are all pending, all three are based off of a credit card that when I called in XX/XX/year> to file a claim for fraudulent charges again, I was told that that card would be closed and or canceled immediately. The bank failed to cancel the card and let it remain open for 1 year before replacing. They're holding me liable for all of the charges despite having the zero liability policy and despite the fact that I called the card in XX/XX/year> and they had a bank error and not canceling. I inquired about the individual review process that they were doing with customers that they had harmed during the covid situation with unemployment, and I was denied multiple times because they said I did not qualify. They also told me that the cfpb and the OCC office were in charge of customer list and eligibility requirements which was not the case I learned. Bank of America has repeatedly failed to honor the enforcement actions issued by the cfpb and has been giving me the runaround for years. I received contact information from the compliance and Regulatory complaint division, and despite my multiple phone calls and email it to him so I have yet to receive a response back to date.

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 2024-04-26 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: TRIAD FINANCIAL SERVICES, INC.
State: IA

Complaint narrative:
I applied through Triad Financial Services 2 times between XX/XX/2024 and XX/XX/2024 for a home listed in XXXX, Iowa. I went and looked at the mobile home and applied for a specific address. this was on XX/XX/2024. My XXXX XXXX manager was emailed on XX/XX/XXXX to provide verification of employment. The verification of employment was sent back same day. On XX/XX/XXXX I was contacted by the XXXX XXXX mobile home park manager asking me to call Triad to check on the status of my loan application because someone else had gone in and applied for the same address as I had. I then called several times that day and the week of XX/XX/XXXX and spoke with XXXX XXXX the underwriter on my loan application who told me repeatedly they were waiting on my verification of employment before they could continue processing my loan application. ( I do have call logs as well as text messages to confirm dates and communication between myself and the park manager XXXX and call logs calling Triad ).

Because my application was not processed in a timely manner the person who looked at and applied for the same address, also used Triad as their loan application and they were approved before my application. I went to look at more homes available at the mobile home park and none of them were what I was looking for. I had my XXXX set on the one I was told I would get because I had been first to apply for the loan on the home. I went to look at XXXX other homes on XX/XX/XXXX and that's when I found out after several calls to Triad and the manager at the mobile home park stating they did not have my verification of employment and within minutes Triad said they did have it. I have the email documents from my HR manager supporting dates as well.

Triad admitted to me they were at fault for dropping the ball on processing my application after 2 and a half weeks of them having my verification of employment on XX/XX/XXXX. I have tried contacting Triad today after being told yesterday XX/XX/XXXX that they would contact me today about a resolution for this situation and I can not get ahold of anyone at the company and now I am not getting back a response from XXXX XXXX XXXX XXXX XXXX in XXXX Iowa after calling and texting. 
I lost the home I applied for and wanted due to Triad 's negligence in processing my loan application in a timely manner and now I would like some sort of compensation for their negligence as well as the stress it has caused me and the emotional turmoil I have endured. 
I also have support from my XXXX as how this has emotionally and physically affected me.

Company response to consumer: Closed with explanation