vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
Hello- I opened a My Community Interest Checking Account w/NYCB ( New York Community Bank ) on XX/XX/23. 

They had a {$350.00} promotion regarding direct deposit ( {$500.00} or more ) and a daily average balance of {$500.00} over the first 90 days. I have met all the terms and the promotion period has passed. 

I called regarding the bonus and was told by corporate to contact the branch. When I contacted the branch they told me that there was no promo code attached to the account. I have a screenshot of the promotion on the bankers desk in-branch when I opened the account. 

I have never encountered this type of dodging before and would appreciate any help in being credited what I have rightfully earned. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
I am applying for the Public Service Loan Forgiveness ( PSLF ) program for my XXXXXXXX loans ( at Mohela ) and submitted my final PSLF Employment Certification Form ( ECF ) on XX/XX/XXXX, which covered my employment ( at my current employer ) from XX/XX/XXXX to XX/XX/XXXX. The form was finally processed by Mohela on XX/XX/XXXX, however the monthly counts by Mohela were only updated to XXXX ( it should have been 120 months, which is the amount required for loan forgiveness ). The month that was not counted ( listed as " Employment not certified '' ) was XXXX of XXXX, which should have been certified by the last ECF form submitted. I called Mohela on XX/XX/XXXX about the error and was told that in order for 10/2022 to count they would need an additional employer verification with resubmittal of a new ECF form. I was told the new form would take at least 60 days ( even though I just waited 60+ days for my last ECF ). Despite me asking to speak directly with a supervisor, I was never allowed to do so.

As a result of this error, I will now need to continue paying loan payments despite the fact that I have reached XXXX payments and therefore my loans should be in the process of being forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am reaching out to address a critical matter concerning XXXX XXXX inaccurate reporting on my consumer report, disseminated by XXXX, XXXX, and Equifax, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations.

I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of Charge Offs across all three credit reporting agencies by XXXX is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " 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. '' In XX/XX/2020, I sent a dispute to XXXX, EQUIFAX, and XXXX yet XXXX XXXX XXXXXXXX and EQUIFAX are still reporting it on my consumer report, which is violating my consumer rights. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. It has damaged my livelihood. 

In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 

Thank you for your time and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: Penn Credit Corporation
State: PA

Complaint narrative:
Delete all errors on my files and reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ANY AND ALL NEGATIVE REPORTING IS DEFAMATION OF CHARACTER. THIS COMPANY IS NOT AN OFFICIAL GOVERNMENT REPORTING AGENCY. I WILL BE FORCED TO SUE THIS COMPANY IF THEY CONTINUE TO CAUSE HARM TO MY WELL BEING WITH DEFAMATING MY NAME. GIVING FASLE CONSUMER SCORES AND SHARING/SELLING MY INFORMATION WITHOUT MY KNOWLEDGE OR CONSENT. 15 USC 1692 C, I DID NOT GIVE PERMISSION TO BE HARASSED BY YOUR NEGATIVE REPORTING AND SELLING OF MY INFORMATION. THE FAIR CREDIT REPORTING ACT 15 USC 1681 ; STATES REPORTINGS SHOULD PROMOTE ACCURACY, FAIRNESS AND PRIVACY OF PERSONAL INFORMATION, ARE MY RIGHTS. YOU HAVE 4 DAYS TO DO WHAT IS FAIR AND EQUITABLE TO ME AS THE CONSUMER AND REMOVE ALL NEGATIVE REPORTING. ALSO HJR 192 STATES THAT I HAVE UNLIMITED CREDIT BACKED BY THE UNITED STATES SO MY CREDIT SCORE SHOULD REFLECT THAT AS WELL.

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 2023-12-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023, I received an email from Bank of America ( XXXX ) for a XXXX XXXXXXXX XXXX XXXX XXXX credit card. The offer was {$750.00} cash back after spending {$5000.00} in 90 days. 

I decided to apply for the card and followed the instructions on the email, which was to call a XXXX XXXX XXXXXXXX to apply at XXXX. 

I did that, and spoke to XXXX XXXX ( XXXX ) He asked me to forward him the email showing the offer I received, which I did on XX/XX/2023. 

I applied over the phone, and he explicitly told me that I would receive the {$750.00}, and to ignore what the terms on the actual application said. 

I was approved for the card, and spent {$5000.00} as required by the offer, but I only received {$300.00}. 

I tried to reach out to XXXX XXXX multiple times ( XX/XX/2023, XX/XX/2023 ) via email but was unable to reach him or get a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18 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: LA

Complaint narrative:
There is an account listed on my credit report as " XXXX  '' that shows it was opened in XX/XX/XXXX and closed XX/XX/XXXX. it says that it was charged off and that the company holding the debt can be reached at the phone number : ( XXXX ) XXXX I have contacted XXXXXXXX XXXX  directly as well as the phone number listed on my credit report. Neither have any record of my information or this debt owed. I have given them all of my information, spoken to more than 10 representatives over the course of 2 weeks. I have received no help, and no one has been able to verify this information, what this account is, or tell me why its on my credit report. 

This is a violation of my rights under the fair credit reporting act.

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 2023-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I want to be on the XXXX plan. Nelnet will not put me on the XXXX plan. My XXXX XXXX application was successfully submitted on XX/XX/2023 according to studentaid.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CashRepublic Holdings, Inc.
State: TX

Complaint narrative:
My loan had a debt cancellation provision which should apply as I was involuntarily XXXX  from XXXX XXXX XXXX XXXX  under XXXX XXXX  and honorable conditions. 

This discharge directly impacted my ability to repay said debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I live chat PayPal credit they refuse wave out over XXXX I have hard time pay off I'm low income customer service don't help I want this completely wiped out to my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: SC

Complaint narrative:
On Monday, XX/XX/XXXX I withdrew {$40.00} from an ATM but the ATM charged me {$140.00}. I called the number on the ATM machine ( XXXX ) to let them know. They wrote up a case number ( XXXX ) and told me to contact my bank ( Chime ). I contacted Chime and they said they would refund the {$100.00}. I didn't receive the funds so I called Chime back on Friday, XX/XX/XXXX. I XXXX the number and the number that came up was XXXX. They answered with using the name Chime and stated their name as XXXX XXXX. I told them why I was calling and they walked me through several prompts and all of a sudden all of my money was taken from my account and the guy said I would have it all returned within two hours and he hung up. I later spoke with a family member and they said it sounds like I was scammed even though I called the number that XXXX had listed for Chime and the phone was answered as Chime. I then called the number on back of my Chime card to explain the situation to them. They said they would investigate. they replied in less than 24 hours and said that they had investigated and found no error occurred. I don't understand how they could have completed their investigation in less than 24 hours and say that they will not refund the {$100.00} that I was charged for by the ATM but did not receive or they would not refund the money that the scammer posing to be Chime took from me when I called the number listed on XXXX as Chime. I am pretty sure that Chime is FDIC insured and don't understand how they can not return my money. I went on XXXX and found someone else had posted on XXXX  that a similar thing happened to them. I am a XXXX XXXX veteran and XXXX XXXX XXXX that lives off of my XXXX so any help you can give will be very much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Newby Sartip & Masel LLC
State: SC

Complaint narrative:
i am getting a bill in the mail saying I owe for a XXXX XXXX for XXXX dollars. when i am XXXX and do not have any kids. I would like for this bill to not be under my name when i d not know where it is coming from and i dont know whos kid this is. please remove this as soon as possible. please and thank you

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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/23 I sent the credit bureaus dispute letters regarding inaccurate information on my credit report. As of today, None of them have responded to my disputes and it has been more than 30 days. I still have the inaccurate information on my credit reports. Please see the attached copies of documents sent to the credit bureaus including letters, identification and my identity theft report from the Federal Trade Commission. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Balance $ XXXX not mine XXXX XXXXXXXX XXXX XXXX XXXX $ XXXX not mine, has violated my rights. 

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

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

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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/23 I sent the credit bureaus dispute letters regarding inaccurate information on my credit report. As of today, None of them have responded to my disputes and it has been more than 30 days. I still have the inaccurate information on my credit reports. Please see the attached copies of documents sent to the credit bureaus including letters, identification and my identity theft report from the Federal Trade Commission. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Balance $ XXXX not mine XXXX XXXX XXXX  XXXX XXXX $ XXXX not mine, has violated my rights. 

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: MO

Complaint narrative:
I am reaching out to address a critical matter concerning XXXX 's inaccurate reporting on my consumer report, disseminated by XXXX, Transunion, and XXXX, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations. I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of Charge Offs across all three credit reporting agencies by XXXX is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " 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. '' The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. It has damaged my livelihood. In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 
Thank you for your time and consideration.

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 2023-12-18 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: MO

Complaint narrative:
I am reaching out to address a critical matter concerning XXXX 's inaccurate reporting on my consumer report, disseminated by Experian, XXXX, and XXXX, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations. I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of Charge Offs across all three credit reporting agencies by XXXX is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " 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. '' The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. It has damaged my livelihood. In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 
Thank you for your time and consideration.

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 2023-12-18 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: GA

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. 

has violated my rights. Or a list of inquiries : 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 2023-12-18 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I went to get a personal loan from XXXX XXXX  for a used vehicle they have hit my credit multiple times and mutiple dates. Here are the ones that I did not do a inquiry on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief