vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I bought a new XXXX XXXX on XX/XX/XXXX. The finance officer tried to sell me several add-ons but I told her that I wanted no extras. She uploaded all docs onto a flash drive and I returned home ( 3 hours away ). When I checked the drive, there was nothing on it. I called them the following Monday and left 3 messages, none of which were returned. I drove back ( 3 hours one way ) the next day and signed 2 cancellation docs totalling {$4500.00} in charges. It took them 3 months to credit my account the complete amount. I messaged the finance company a few times during this period. After the funds were returned, I asked them to credit my account any interest that had accruied on the {$4500.00}. They said they couldn't and I asked why. I never got another reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I have been trying to work with Mr Cooper for my mortgage I was doing a modification and they said they would need paperwork filled out the sent me a link that would not open I requested several times and even put in a complain and then they said I was not eligible!!! And my loan officer keeps changing and they keep telling me different things or do not answer or call back. I received a letter from a lawyer that said I havent responded which is a complete lie. I was told by the gentleman who served us foreclosure paperwork to not make another payment until you go to court because I did pay almost XXXX and was told I was reinstated but would not let me make payment I have money in escrow to show the judge that they are lying and not letting me pay my bill. Look at attached say this will exapire on XX/XX/23 but it wont let me access the paperwork and when they send you a link by email it doesnt allow you to open it either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/2023, I placed an order with XXXX for two products : an XXXX XXXX XXXX motherboard and XXXX XXXX XXXX, to be delivered on the same day via XXXX XXXX XXXX. After a three-day delay and no updates, I sought a refund from XXXX, but they declined and provided no delivery details. XXXX XXXX also denied sharing information with XXXX customers, redirecting me to XXXX. Consequently, I filed a dispute with Discover Credit Card, which was initially resolved in XXXX 's favor due to insufficient documentation. Surprisingly, XXXX later agreed to issue a refund within a week, but after two weeks of silence, I resubmitted the dispute to Discover Bank with a saved chat transcript promising a refund from XXXX. Despite this, the dispute resolution again favored XXXX. XXXX 's documentation only asserted their refusal to accept a chargeback without significant evidence. Additionally, there have been local issues with XXXX XXXX, often delivering to the wrong buildings due to complex road layouts. XXXX 's proof only included a photo of the box, lacking precise delivery location details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I bought several thousand dollars in American Express Gift Cards ( XXXX XXXX XXXX XXXX in XX/XX/2001. I received the gift cards directly from American Express unopened by mail. However, there are fraudulent charges on several of the cards ( e.g. ~ {$90.00} of charges, ~ {$97.00} of charges, and ~ {$50.00} of charges on three {$100.00} AMEX gift cards ). I also gave some gift cards away as gifts and several receipts reported that there were fraudulent charges as well. Overall, this has been a nightmare experience. I reached out the American Express to dispute the charges and get a refund. However, they claimed that refund is not possible and you must contact the merchant direction ( which is not a reasonable solution particularly for {$100.00} gift card ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i receive notice from a rental company that I have a eviction on my credit report from trans union credit bureau but its not listed/ also will not provide where they receive information,

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i recieved acopy of my credit report and y noticed severals accounts on my credit file that never applied for and never used needs to be removed from my account below are listed 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 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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i recieved acopy of my credit report and y noticed severals accounts on my credit file that never applied for and never used needs to be removed from my account below are listed 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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  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 602 A : 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 explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Credit reporting agencies reporting credit card balances making my score drop tremendously and hurting my reputation and even stressing me with this transpiring in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 1! 
USC 1681 section 6 o 2 states I have the right t privacy ( 15 USC 1681 ( section 6 0 4 a section ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My information was sold and bought illegally because i was a victim of XXXX data breach. I want these items deletedform my credit report immediatelyXXXX 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 I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. and XXXX has done nothing.Please help me deletes these illegal accounts from 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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My information was sold and bought illegally because i was a victim of XXXX data breach. I want these items deletedform my credit report immediatelyXXXX 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 I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. and XXXX has done nothing.Please help me deletes these illegal accounts from 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 explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I applied for the SAVE repayment plan on XX/XX/2023 via Nelnet. I did not hear back from Nelnet, so I called on XX/XX/2023, and spoke with XXXX. He said he wasn't sure why my application wasn't available and had me resubmit a verbal application on the phone, waived the {$5.00} IBR exit fee, brought my account to current, and I uploaded my proof of income 1099 form. 
XX/XX/2023, I was emailed 3 letters ; first email was my application was unable to be processed, second email was additional information was needed for my application, third email was a one-time payment needed to exit IBR plan . XX/XX/2023, I called and spoke with XXXX who could not see why it was denied. I was transferred to Support Specialist XXXX who also could not see why it was denied. She then had me re-submit another verbal application, I paid the {$5.00} exit fee, and she guaranteed that there should be no reason I would be denied and repeatedly assured me I did not need to upload any more documents. She placed my application on express and said that I should be approved within 2 weeks. I asked for a written letter of what we had spoken about and what she said was going to happen but she said she could not do anything like that for me. 
XX/XX/XXXX I received an email saying my application review was in progress. XX/XX/XXXX I received an email that a forbearance had been applied to my account. XX/XX/XXXX, I received an email saying I had a new statement available, which was still for the Standard Repayment Plan. XX/XX/XXXX, I received an email that my application review was in progress. XX/XX/XXXX I received an email that my application review was in progress. 
XX/XX/XXXX I received an email saying my application was incomplete and needed more information. I called on XX/XX/XXXX, spoke with XXXX who said my application had been marked Abandoned. I was transferred to Support Specialist XXXX who told me I had multiple applications open, some marked Abandoned and one was pending. He told me that the system had not seen the {$5.00} payment I made to exit the IBR plan and that the system would transfer me over to the SAVE plan once I was billed for the exit fee. He advised that when the next billing statement is sent out ( XX/XX/XXXX ), that it will be for {$5.00}, once I pay that, then the system can move my application through and I will be on the SAVE plan. He confirmed that I do not need to anything additional, just to wait for the new statement, pay the {$5.00} exit fee, and then my account will be switched over to the SAVE plan. I asked that the interest that has been compounded during this period of Nelnet 's incompetence be taken from my account and he said that the government has not set a limitation on processing time so that could not be done. I was then hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: NC

Complaint narrative:
I began receiving mail this summer about insufficient insurance coverage. I contacted Flagstar about it since they did not require it when they held the previous mortgage. I refinanced and they bought it back. They told me I had to procure around XXXX more in coverage to which I got XXXX more and now. They put my mortgage in Escrow due to the insufficient coverage and now will not take me out even though I have procure more than enough coverage. They are extremely difficult to contact, do not call back timely, and will not provide any copies of why they are doing this other than vocal notifications over phone and just continuing to send the new bill. The amount they are charging me monthly is significantly more than twice the amount I am paying for coverage that exceeds what they procured without my permission. Again, they are extremely difficult to get ahold of and do not check their online repositories for the documentation about the insurance coverage that they direct you to post your insurance coverage.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing you this letter regarding payments that were marked late by your company for XXXX XXXX XXXX Account # XXXX in XXXX and XX/XX/2022, XXXX/DOFED Account # XXXX. It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. Regards, 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 explanation
Consumer complaint received 2023-11-20 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: MD

Complaint narrative:
XXXX XXXX XXXX incorrectly reported a 30 dya late payment on my credit report. I have made several payments within the 30 day gace period permitted after the due date, I asked for a full payment history of my account and never received it. Upon making the payment within the 30 day frace period i was told by the customer representative that I was within the 30 day grace period. Therfefore there would be no delinquent reporting in XX/XX/2023.

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 2023-11-20 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: MD

Complaint narrative:
XXXX XXXX XXXX incorrectly reported a XXXX dya late payment on my credit report. I have made several payments within the 30 day gace period permitted after the due date, I asked for a full payment history of my account and never received it. Upon making the payment within the 30 day frace period i was told by the customer representative that I was within the 30 day grace period. Therfefore there would be no delinquent reporting in XX/XX/2023.

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 2023-11-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I believe I have been getting false reports starting with a mortgage from XXXXXXXX XXXX that is not mine. Also, it seems to be someone trying to apply for loans or credit card under my information without my permission. I do not know who is doing this that is why I am reporting this dispute. 
The following accounts is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX CAPITAL ONE 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 2023-11-21 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I believe I have been getting false reports starting with a mortgage from XXXX XXXX that is not mine. Also, it seems to be someone trying to apply for loans or credit card under my information without my permission. I do not know who is doing this that is why I am reporting this dispute. 
The following accounts is 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 explanation