vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My interest rate is currently 9.99 % but I'm currently XXXX XXXX in the XXXX XXXX and stationed at XXXX XXXX in XXXX XXXX, Louisiana. 

XXXX Louisiana Laws Revised Statutes XXXX  XXXX - Military, XXXX, and Veteran 's Affairs XXXX XXXXXXXX - Limits on creditor interest rates XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX. Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is deployed on XXXX XXXX. 

B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of six percent per annum that otherwise would be incurred but for the prohibition in Subsection A of this Section are forgiven. 

XXXX The amount of any periodic payment due from a person, or spouse of a person, who is on XXXX XXXX under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under Subsection B of this Section that is allocable to the period for which the periodic payment is made. 

XXXX XXXX order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on XXXX XXXX, shall provide the creditor with written notice and a copy of the military or gubernatorial orders calling the person to XXXX XXXX and of any orders further extending XXXX XXXX, not later than one hundred eighty days after the date of the person 's termination of or release from XXXX XXXX. 

XXXX Upon receipt of the written notice and a copy of the orders referred to in Subsection D of this Section, the creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on XXXX XXXX. 

XXXX. A court may grant a creditor relief from the interest and finance charges limitation of this Section, if, in the opinion of the court, the ability of the person, or spouse of the person, on XXXX XXXX to pay interest or finance charges with respect to the obligation at a rate in excess of six percent per annum is not materially affected by reason of the person 's service on XXXX XXXX. 

Acts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I reviewed my credit profile and noticed hard inquiries that do not belong to me on there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: NY

Complaint narrative:
This would be my XXXX dispute letter to the XXXX ( XXXX ) major credit bureaus because my previous letters were left unanswered and unresolved. I have repeatedly advised them with XXXX  honesty that these reported accounts below were found to be XXXX  reported on my credit files. I want these to be fully eliminated on my record as it greatly affects my ratings, which gives me the inability to file for a new credit line. 
XXXX. XXXX - Account # : XXXX XXXX. XXXX XXXX - Account # : XXXX XXXXXXXX XXXX XXXX  - Account XXXX : XXXX Kindly help me resolve this issue.

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 2024-01-22 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: NY

Complaint narrative:
This would be my XXXX dispute letter to the XXXX ( XXXX ) major credit bureaus because my XXXX  letters were left unanswered and unresolved. I have repeatedly advised them with XXXX  honesty that these reported accounts below were found to be inaccurately reported on my XXXX  files. I want these to be fully eliminated on my record as it greatly affects my ratings, which gives me the inability to file for a new credit line. 
XXXX. XXXX - Account # : XXXX XXXX. XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX - Account XXXX : XXXX Kindly help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 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 2024-01-22 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: CA

Complaint narrative:
i am a victim of identity theft. 

On Experian, 8 Unidentified and Fraudulent hard inquiries are on my credit report. 

Please Remove these Fradulent hard inquires from Experian. Here are the 8 fradulent experian hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please remove and block all 8 of these fraudulent hard inquiries

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 2024-01-22 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: NY

Complaint narrative:
My consumer reports is showing XXXX XXXX  payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been XXXX  on payments for the accounts that I have included screenshot inside this complaint in on dates of [ XXXX XX/XX/2021 ]. On my XXXX I have NO XXXX  payments which is CORRECT, but on my TransUnion and XXXX its showing different days which are NOT correct. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never XXXX. Thanks! Please see screenshot attached.

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 2024-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Sent in certified mail on XX/XX/23 I never recieved a return slip Credit Acceptance also disregarded Tila, stating there are are not liable of what dealership has done

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 2024-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
My student loan was forgave in XX/XX/scrub>XXXX  I have request multiple time with Mohela close out my student loan and record a XXXX balance withe the 3 credit bureaus. I have called them, sent them online messages with no resolve. I have disputed with credit bureaus. Student.gov says contact Mohela. Just going in circles. Mohela told me it would be updated in 90 days and it has not. I need this student loan debt to reflect being closed and reflect the XXXX balance on my credit reports. This is keeping me from buying a house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
XX/XX/2021 {$22000.00} an account was opened i was unaware of

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
I applied for the XXXX plan in XX/XX/XXXX via the federal website. In XX/XX/XXXX I called Aid Advantage to determine when it would be approved. I was then told I needed to pay {$5.00} dollars to have my account changed from the Income Based Repayment Plan to the XXXX plan. I did that then. I was not informed that I could be placed on admin forbearance and that the processing would take 30 days. I was placed on a self-selected forbearance ( with impact to my credit score ). I called back on XX/XX/XXXX to find out what was going on with my approval for the XXXX plan. At that time I was told I needed to provide additional information. I did so on the phone and was placed on an admin forbearance. I was told my application would be processed in 60 days. 

I called back today ( XX/XX/XXXX ) and was informed my application for the XXXX plan had been lost. Though the person I spoke to said, " There is no record of your application. '' This person informed me that she could " self-certify '' another application and that it would take another 60 days to be processed ( while interest accrues ). I asked why there was no record of my previous applications and she could not give me a clear answer. I then spoke to the manager, XXXX XXXX, who also could not give me a clear answer about what happened to my two previous applications as well as the supposed " self-certify '' in XXXX. He said I was now in the application process for the XXXX  plan and in administrative forbearance for the duration of the next 60 days. He also assured me I would be sent a letter with a record of our conversation as well as confirmation of the admin forbearance and XXXX  application via the self-certify. 

I don't think this level of lack of clear information is just incompetence. I think this is an intentional policy of Aid Advantage to get loan consumers to accrue interest while they delay the processing of XXXX applications. Currently, there is a note on my Aid Advantage account on the website that says my forbearance will end in 10 days despite the fact the supposed due date for my upcoming full pay ( as the XXXX application is still not processed ) is XX/XX/XXXX. XXXX could not explain why this is the case. Supposedly, I will get an email confirmation of my current XXXX application via the self-certification, though I doubt I will because I never got one before and I have XXXX confidence in Aid Advantage. 

How is this legal? I am sure many student loan borrowers are experiencing these intentional delays from XXXX XXXX in order to accrue interest. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I requested a modification from the loan servicer PHH Mortgage. Loan number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told that I was denied because there is too much equity in the home and to contact the investor who is XXXX XXXX. XXXX XXXX was no help they told me I had to submit a letter to the correspondence dept. Myself n my XXXX was affect by the pandemic and XXXX XXXX. Since than my financial situation has changed and Im in a better place to make payments. They are refusing payments they just want a reinstatement amount in full. They are refusing to work with me and they have contacted an attorney to begin foreclosure proceedings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
These are the pictures we took for our safety in taxi cabs in XXXX, my daughter were touring the city alone, so for our safety I told my daughter to take pictures. The first one is the cab that actually made the fraudulent charge, we were transferred to him by the guy in the second picture because I did not have cash and the guy in the second picture did not had his machine for charges with cards, so what he did was to call the second guy friend of him and met us on the route and we finish with him and pay him, the transportation was from XXXX XXXX XXXX XXXX across from the church XXXX XXXX  to XXXX XXXX XXXX XXXXXXXX. How in XXXX that can be {$61000.00} dollars!!! He said it was going to be {$280.00} $ pesos which in dollars is about {$16.00} DOLLARS!! Give me a break, thanks for your help. 

XXXX regarding this claim, please acept my social media posts as proof that Im attempting to contact the merchand ( people who stole from me ) hoping that aurthorities or public can identify and provide more information. 


ubject : Freeze card Navy Federal Response XXXX  : Thank you for using Navy Federal 's XXXX XXXX, XXXX XXXX XXXX XXXX. The charge for {$610.00} was done on your old card ending XXXX. It appears you have already shut the old card down to prevent anymore unauthorized charges. If we can be of further assistance, please let us know. 



Your Message XXXX XXXX  I will try to freeze my card because I did not do the purchase for XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Allied Consulting Services LLC
State: TX

Complaint narrative:
I have been contacted by 2 family members and my ex-husband regarding phone calls they have received from Allied Consulting Services. ACS has been contacting people I know advising that they are calling regarding a judgment against me. I called Allied Consulting Services and they admitted to providing my family and associates with this information and stated they legally can tell third parties that there is a judgment against me. I am not currently going through a court case with anyone and no lawsuit has been filed against me. The tactics this company is using are illegal and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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:
To whom it may concern i have sent letters to the consumer credit agencies Transunion, XXXX and XXXX.Stating that they were reporting the wrong, old, past the statue of limitations accounts and inaccurate information on my consumer credit report. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Also FDCPA1006.30a the consumer reporting agencies can not park debt on my consumer credit report. 
VIOLATIONS are as such 15 usc 6801 ( a ) Privacy Obligation/15 usc 6809 ( 4 ) non public personall 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 non-monetary relief
Consumer complaint received 2024-01-22 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: IL

Complaint narrative:
To whom it may concern i have sent letters to the consumer credit agencies XXXX, Equifax and XXXX.Stating that they were reporting the wrong, old, past the statue of limitations accounts and inaccurate information on my consumer credit report. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Also FDCPA1006.30a the consumer reporting agencies can not park debt on my consumer credit report. 
VIOLATIONS are as such 15 usc 6801 ( a ) Privacy Obligation/15 usc 6809 ( 4 ) non public personall information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: ME

Complaint narrative:
XX/XX/XXXX via Nelnet I requested {$1000.00} back that I had paid during the student loan forbearance as our heating bills were very high and I was laid off from my job. They almost immediately added the {$1000.00} back to my account and I have been paying interest on it. One year later and its now XX/XX/XXXXXXXX  and they have not given me the refund. I call in every few months to ask about it which always takes 2+ hours and they can never give me an answer. I am thinking I have been scammed and someone stole the money. Can someone please help me I do not know what else to do and I need that money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In response to an offer from Citibank, on XX/XX/2024, I applied for the offer. When I input my information, I received a message stating that the offer was invalid. I then called XXXX, which is the number on the offer, and I was transferred immediately to XXXX XXXX. Last year, Amex sent a letter to my estate stating it was informed that I passed away and closed my account. I requested information from Amex via certified mail, regarding who stated that I passed away and to please provide the information. Amex did not respond to my letter but re-opened my account. This is the second creditor that sends a letter to my estate and it is very concerning to me and is causing me XXXX. I do not know who is providing this information and what they are trying to do. I am using this medium to receive a response from Citibank because Amex never responded to my certified letter. I just submitted a complaint about Amex so that I can receive a response from them 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