vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally address concerns regarding Experian and XXXX 's reporting practices related to my credit history. I have submitted multiple disputes to Experian regarding the presence of XXXX on my credit report, citing the 7-year reporting guideline, effective from XX/XX/XXXX. In XXXX, I obtained a mortgage with XXXX, and in XXXX, I pursued a loan modification due to a loss of income in XXXX. XXXX indicated that my loan needed to be delinquent before my mortgage could be modified. According to the provided documentation, my payment summary reflects a 90-day delinquency on my account with XXXX as XXXX XX/XX/XXXX. The mortgage was paid in full in XX/XX/XXXX, with prior notification to XXXX regarding the timing of this payment. Experian 's correspondence indicates that XXXX 's records confirm the loan was fully paid on XX/XX/XXXX, and denote no wrongdoing. However, it has been communicated that the loan modification is the basis for Experian 's refusal to delete the late payment records. While XXXX 's information regarding the fullness of the mortgage payment is accurate, it is noted that the 7-year rule requires consideration of the first date of delinquency, not merely the final payment date, before any deletion. Attached is a copy of the loan modification agreement, which does not state that this agreement supersedes the 7-year compliance rule. The current reporting has implications for my mortgage interest rate and my ability to secure favorable rates for another vehicle purchase. I request that you review the attached documents and ensure compliance from XXXX and Experian with the 7-year reporting rule specified in Illinois. Should compliance not be observed, further action may be pursued. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX Experian website has a 7-day rule, and it has for debts the original delinquency date, not the last paid in full date. 

How to Calculate When Late Payments Will Be Deleted Late payments, also called delinquencies, are deleted seven years from the debt 's original delinquency date, after which it is never again current. 
That means if you have a 30-day late payment reported and then bring the account current the next month, the late fee will fall off seven years from when it was reported. 


When Does the 7-Year Rule Begin For Delinquent Accounts? - Experian

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to formally dispute several inaccuracies I have identified on my credit report. Upon thorough review, I found accounts listed that I do not recognize or believe to be 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 non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
XX/XX/XXXX - Balance transfer of {$10000.00} and {$4900.00} was approved in XXXX separate transaction at a promo APR of 1.99 %, transaction fee of {$500.00} and {$240.00} was applied to my credit card account. 

XX/XX/XXXX - XXXX statement was generated, {$180.00} in minimum payment was due. Due date XX/XX/XXXX. For the XXXX statement purchases were {$230.00}, Fees was {$740.00}, interest charged was {$20.00}. 

XXXX - In between these dates a total payment of {$1000.00} was made to the account. 

XX/XX/XXXX - I reached out to customer services team XXXX times, each time speaking with a supervisor team ( XXXX and XXXX XXXX to understand how the payment is applied to the account. Z was super helpful in providing information, she informed me, that any payment made before the statement close applies to the account from lowest apr first to highest apr next, any payment made after the statement closes, applies in the following manner, XXXX. Minimum payment due covers the interests, fees and the rest is applied to the lowest APR transaction in my case, it will be applied to balance transfer at a promotional APR of 1.99 % XXXX. Any payment above and over the minimum payment due, applies to the highest XXXX transactions first, and then lowest APR transactions. 

I was advised, that there is a portion of the balance transfer fee amounting to {$630.00} something that is still accruing 24.49 % XXXX ( XXXX XXXX ) and I should make a payment of {$170.00} ( Minimum payment due on XXXX Statement ) plus {$630.00} that is accruing interest at 24.49 % in order to cover all the purchases at XXXX XXXX. 

The second time, I reached out to XXXX ( Who by the way should not belong to the customer service department, because he was least interested in helping out! ), requesting information that the balance transfer fee amount of {$630.00} which is accruing at XXXX XXXX should have already been covered in the XXXX payment ( which I made of {$1000.00} in between XX/XX/XXXX and XXXX ), to which I was informed, the payment of {$1000.00} actually covered the minimum payment due, and the rest was applied to the principle, which is clearly opposite of the Highest XXXX to Lowest XXXX. When I asked for clarification, this person kept on saying the same thing, it is system that does the calculation, and not me and there is nothing he can do, not even provide me with an explanation on why my payment which I made after the statement closed, was not applied to highest XXXX transactions first. 


For more context kindly refer to the notes on my account, as I know for a fact that XXXX had written down everything in a nice and understandable way as confirmed by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Santander Consumer USA inc . 
Date opened XX/XX/XXXX Original loan was for {$17000.00} I put a {$1000.00} down payment which would leave a remaining balance of {$16000.00} Plus my monthly payments were {$450.00} My monthly payments do not reflect a lowering balance after each payment. 
After the car was repossessed it was then resold. I was never provided the additional paperwork for these details of car sale. The car sale is not properly reflecting on the remaining balance. 
I have tried to reach out to the company and they do not send any documents legally required during any transaction regarding this vehicle. 

Santander Consumer USA Inc. ( Santander ) has been involved in multiple legal actions and settlements related to consumer laws, including : * Fair Credit Reporting Act ( FCRA ) XXXX XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) issued a consent order against Santander for violating the FCRA and Regulation V. The CFPB found that Santander provided inaccurate or incomplete information to consumer reporting agencies ( CRAs ) between XXXX and XXXX. Santander was required to take steps to prevent future violations and pay a {$4.00} XXXX civil money penalty Please Remove Santander XXXXXXXX XXXX From my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: MN

Complaint narrative:
My credit report has inaccuracies with late payments not reflective of my history. Requesting correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Former : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OR

Complaint narrative:
Loan was with NAVIENT and deferred status.I was also hit by an intoxicated driver during XXXX and asked for forgiveness.I also haven't been able to return to work because of this incident. I started an account with XXXX which shows x-amount and late payments but when I called they couldn't find account with my ss number. I also have not received mail from XXXX. I'm over XXXX as well. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
This account is incorrectly being reported as a collection account with a balance past due. Please provide proof of the collection and update the balance to {$0.00} or delete the negative payment status on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have an account at JP Morgan Chase. I live in XXXXXXXX XXXX 
I put in the XXXX mail on or around XX/XX/year> a check, payable to XXXX Treasury, for a tax payment, in the amount of {$120000.00}. 
I found out on XX/XX/year> that someone stole the check from the XXXX mail, " washed '' the check, and cashed in at a XXXX branch for {$49000.00}. 
In other words, I lost {$49000.00}. 
I made a claim to my bank JP Morgan Chase on XX/XX/year> by telephone. 
I filed required written declaration on XX/XX/year> through the JP Morgan XXXX I use in XXXX XXXX 
The form I filed said that I should make a claim with the XXXX XXXX XXXX, which I did, but that - unless I knew the name of the person who stole the check- I should not file a police report. 
I was told that it would take 60 - 90 days to hear back. 
On or around the 90th day in XX/XX/year>, I was told that I had to file a police report. 
I filed a police report on or around XX/XX/year> and brought it to the branch on or around XX/XX/year>. 
Despite a number of inquiries, I have been told that the claim is pending and I will hear back at some unspecified time. 
I have called a number of times and have inquired through the branch as well as through the elevated complaint process at the branch. 
I have never received a commitment as to when the complaint will be resolved. 
I also understand that under the NY XXXX the bank must make good on the lost funds. 
I can provide further details and documentation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
I thought I was paying off my loan with Speedy Cash. I called to see why it was showing a balance. And thats when I found out i had been scammed. Total list is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is in reference to inaccurate information that XXXX ( XXXX XXXX XXXX ) is providing to EQUIFAX and EQUIFAX is publishing to my consumer file.Thei inaccurate information is in regards to late payments which never occurred with following XXXX following dates. 
XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) And NO XXXX or 60 day late prior to XX/XX/XXXX which is totally unethical and blatant misuse of my credit file. Next in XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) Then XX/XX/XXXX ( XXXX ) but reportedal a payment XX/XX/XXXX then XX/XX/XXXX ( XXXX ) UNDER ( FCRA ) CREDIT REPORTING AGENCIES ARE REQUIRED TO MAINTAIN ACCURATE AND COMPLETE INFORMATION. 
FCRA 607 ( b ) ( 15 U. S. C 1681 e ( b ).. 


BE CLEAR XXXX NOT ASKING FOR VALIDATION BUT IT TO BE REMOVEDFROM MY EQUIFAX CREDIT FILE OR UPDATED TO POSITIVE PAYMENT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is in reference to inaccurate information that XXXX ( XXXX XXXX XXXX ) is providing to EQUIFAX and EQUIFAX is publishing to my consumer file.Thei inaccurate information is in regards to late payments which never occurred with following XXXX following dates. 
XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) And NO XXXX or 60 day late prior to XX/XX/XXXX which is totally unethical and blatant misuse of my credit file. Next in XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) Then XX/XX/XXXX ( XXXX ) but reportedal a payment XX/XX/XXXX then XX/XX/XXXX ( XXXX ) UNDER ( FCRA ) CREDIT REPORTING AGENCIES ARE REQUIRED TO MAINTAIN ACCURATE AND COMPLETE INFORMATION. 
FCRA 607 ( b ) ( 15 U. S. C 1681 e ( b )..

BE CLEAR IM NOT ASKING FOR VALIDATION BUT IT TO BE REMOVEDFROM MY EQUIFAX CREDIT FILE OR UPDATED TO POSITIVE PAYMENT HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally inform you that I am a victim of a data breach and subsequent identity theft, which resulted in the unauthorized opening of several fraudulent accounts and credit inquiries under my name. As allowed under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you immediately block and delete the following fraudulent accounts and inquiries from my credit report : Fraudulent Accounts : XXXX. Bankruptcy XXXX XXXX o Case Number : XXXX o Date Filed : XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XXXX o Balance : {$10000.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XXXX o Balance : {$280.00} XXXX. XXXX XXXX XXXX XXXX 
o Account XXXX : XXXX o Date Opened : XXXX o Balance : {$36000.00} XXXX. Bankruptcy Chapter XXXX o Case Number : XXXX o Date Filed : XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XXXX o Balance : {$2000.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX XXXX. XXXX XXXX XXXX o Date of 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 2024-11-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have purchased XXXX American Express electronic gift cards ( eGift cards ), each in the amount of {$300.00}, for my family to use. The cards have been impossible to use, and the {$1500.00} amount is therefore blocked. They have been declined at several merchants ( which subsequently were able to charge my regular credit cards without problem, including American Express XXXX XXXX ). 

I called American Express pre-paid gift cards customer service ( XXXX ) multiple times, but they were unable to solve the problem. All they can do is to inform me that " the card has been declined, and I should try to use it at a different merchant ''. 

It's also not a problem with just XXXX of the cards, it's a problem with all XXXX of them. A quick XXXX search for " American Express gift cards don't work '' reveals many discussion boards with people complaining of the same problem. I am shocked there hasn't been a class action lawsuit on this yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: NEW YORK COMMUNITY BANCORP INC
State: AZ

Complaint narrative:
First, the categories of complaints you offer do NOT cover the reason I am filing a complaint. You need to add an " Other '' category... 

My Loan was again sold to a new Financer. I received written notice from my current mortgage bank in the mail on XX/XX/year>. The new XXXX assumes my mortgage on XX/XX/XXXX. 

XXXX weeks notice is a totally unacceptable time-frame for notice of a loan sale! What are the federal " rules '' regarding how much notice banks are required to notify?? 

Assume a retired person is on an extended vacation ; then returns after XXXX weeks, with absolutely NO notice at all!? 

Please respond with details regarding the XXXX requirements to notify... 

My current bank is XXXX ; the new bank is " XXXX XXXX XXXX. '' ( the name along implies fraud! I almost didn't believe this notice was " legit.! '' ) 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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX, XXXX, and Experian have violated many of my rights. To start, there are many inaccuracies in my credit report such as different dates of birth, addresses that I have never been associated with and different addresses for my current address, payment dates and original balances for multiple accounts, payment histories, opening dates etc. I will provide the first XXXX pages of my credit report as an example. If needed I can send the full report. 

I have never received any options or notices informing me of my right to be able to opt out of disclosures and preventing most third party affiliates from accessing my personal information through financial institutions. Not to mention that my transaction history has been made available when it shouldnt have been reported. 

Charge offs still remain on my credit report when I am well aware of the fact that they are now Certificates of Indebtedness and considered income which also should not be on my report. 

These are violations of the Fair Credit Reporting Act, and the Privacy Act of 1974. 
15 USC 1681 A, B 15 USC 6802-6805 16 CFR 313 & 16 CFR 433s 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7 Section 3711 e of Title 31 of the Privacy Act of 1974

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