vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hi, I had a certificate of deposit ( CD ) with Bank of America that expired on XXXX XX/XX/year>. I called in a week earlier, leaving the instruction to the bank to transfer the balance ( {$30000.00} ) to my current account upon maturity. The staff confirmed with me that the standing instruction was put forward and it will be carried out as I have instructed. 

However, I still have not received the balance after waiting for more than a week after the maturity date. So, I called Bank of America and enquired about the status. They told me that the instruction was still pending, and sent in another request on XXXX XXXX. Nevertheless, I have been making several calls every few days to check the status of the transfer, but the transaction was still pending and not processed. 

As of today ( XXXX XXXX ), more than XXXX weeks have passed since the maturity date of my CD, and I still haven't received the balance in my bank account, and the staff in Bank of America could not give me a satisfactory answer why it hasn't been processed. They told me to wait for a few days and called back. I have repeated waited and called back ( I made XXXX phone calls ) in total. 

I am currently stranded. Not only I am waiting for the money to pay for important bills and daily expenses, I am also losing money on the interest. I hope CFPB can look into this matter and protect the consumers right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-03 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
# What happened? 

On XX/XX/XXXX, I discovered an unauthorized Nordstrom credit account on my XXXX credit report. This account was reportedly opened on XX/XX/XXXX, and closed on XX/XX/XXXX, with a past due balance of {$6900.00}. The account number ends in XXXX. 

Key points : 1. I did not open this account and have never had a Nordstrom credit card. 

2. I contacted Nordstrom on XX/XX/XXXX. They could not find any open or closed accounts in my name and promised their fraud department would call me. As of XXXX, I have not received this call. 

3. XXXX has blocked my access to my account for years, preventing me from disputing this fraudulent account directly. 

XXXX. I only became aware of this issue after being removed from XXXX 's Path to XXXX XXXX program. I had to use a third-party app ( XXXX ) to access my XXXX report information. 

XXXX. This fraudulent account has negatively impacted my credit score and financial opportunities.

I believe this situation violates my rights under the Fair Credit Reporting Act. I'm requesting that : 1. The fraudulent Nordstrom account be immediately removed from my credit report. 
XXXX. XXXX restore my access to view and dispute items on my credit report. 
XXXX. Both Nordstrom and XXXX investigate this matter thoroughly and provide me with the results in writing. 

I've attempted to resolve this issue directly with both companies but have been unsuccessful. I'm seeking the CFPB 's assistance in addressing this matter promptly and fairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: KS

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 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 2024-10-03 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: KS

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''

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 2024-10-03 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: ProCollect, Inc.
State: LA

Complaint narrative:
An account is reporting from XXXX XXXX on my credit report and I have never lived there or applied for any services with this company. Additionally the secondary creditor to this company Procollect , Inc. has reported this same debt on my report to XXXX and it doesn't belong to me. I am demanding it to be removed because it is not my account or my debt. Please remove at once for this is causing a financial hardship on my account and I am tired of this happening in one form or another.

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 2024-10-03 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: CA

Complaint narrative:
XX/XX/year> Applied for XXXX XXXX XXXX XXXX ( XXXX ). 
XX/XX/year> My qualifying payment count was updated to the required # XXXX payments for PSLF discharge. 
XX/XX/year> Unsubsidized portion of Direct Consolidation Loan was XXXX by Mohela. 
XXXX XXXX was transferred from Mohela to XXXX platform. Completed on XX/XX/year> ( per letter ). 
XX/XX/year> Received letter from Federal Student Aid ( FSA ) that my Subsidized Direct Consolidation Loan is eligible for XXXX and that I would hear from my servicer within 30 days. 
I DID NOT RECEIVE ANY COMMUNICATION AFTER THIS. 
XX/XX/year> Called FSA for update. Representative told me that my loans were already approved for discharge and Mohela was told to discharge loans prior to the platform transition and that they should not have been transitioned. Per representative, the loan was transitioned back to XXXX " just like any regular loan '' so they did not even know it needed to be XXXX still. She stated that it was not even being processed and that the best way to get someone to review it was to submit a complaint to the XXXX website. 
XX/XX/year> Called Mohela and they stated that they were not the ones responsible for discharges. They stated that XXXX is responsible for discharges and advised me to call them back. 
XX/XX/year> Submitted complaint to XXXX website. I received an automated response back that did not apply to my case and my case was closed. No one ever reviewed my case. 
XX/XX/year> Called FSA again and was told that they are waiting on the processing of IDR waiver counts. Told her that my IDR waiver was already processed over a year ago and that this doesn't apply to me. She then told me my expected forgiveness date is " today '' because the website states the expected forgiveness date is XXXX. I know this is not correct because the account previously said my expected forgiveness date was XXXX. Then it changed to XXXX. Then it changed to XXXX. Then it changed to XXXX. I asked for information SPECIFIC to my case. I asked where i was in the forgiveness process specifically. She said she did not have any of this information. I asked to speak with a supervisor. She refused. 

Both XXXX and Mohela continue to give me the run-around and are pointing fingers at each other. I have been patiently waiting for 9 months for this discharge ( in addition to the 10 years of public service ) and I don't even know if my case is in review or has fallen through the cracks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: AL

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-10-03 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: FL

Complaint narrative:
Debt Collection validation removal off credit from all credit agencies misuse permission

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 2024-10-03 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:
Debt Collection validation removal off credit from all credit agencies misuse permission

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 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Credit Collection Serv Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I did two subsequent ATM transactions ( XXXX XXXX USD ) on the XXXX of XXXX. For this reason, my account has been blocked since then and all my transactions and access requests are denied. On checking with the bank, they mentioned they had sent a letter to my address and with that letter only they can verify my unblock request. I started using the current number from XXXX on XX/XX/XXXX ( my first day in the XXXX ). I verified with the telephone company and they verified that my name is linked to my number. However, for some reason, my bank can not verify my number. I called the bank several times in the past two weeks and every time they asked me to wait for the letter. After 14 days, they agreed to submit my request to higher authority however there was no improvement in my situation. When I talk to them again on the 16th day of the incident, they are willing to send the letter again to my address, with no guarantee of me receiving it. Meanwhile, I have changed my address and moved to a new house which I have updated in my bank through the Citibank mobile app. However, they are not willing to send me the letter. I suggested sending the letter to the nearest branch where I could go and verify myself using all the relevant documents and they are unable to do that also. I have no cash in my hand and my salary is in my bank account which I am unable to use. My last conversation with them today ( XXXX XXXX ) went in vain as they repeated the same scenario.

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 2024-10-03 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: AL

Complaint narrative:
My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: GA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-03 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: MOHELA
State: MA

Complaint narrative:
They say I owe and have missed payments. I have paid off my student loan and I have submitted proof of payment on their website several times.. I have also called several times and every person I speak to does not know what is going on.. 

I am seeking a legal counsel if this is not resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: IL

Complaint narrative:
I am asking for your assistance regarding the incorrect account listed on my credit report. This issue has severely impacted my reputation, and I need your help. Your mishandling of my report has left me in a difficult position, and the incorrect information has caused significant harm to my reputation. You need to remove these inaccuracies 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