vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-29 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:
Under Basic Right of US Citizen. I need to have accurate information on each and every line same on 3 credit report agencies.

To make your job easier. I have attached everything that is incorrect. This all information to deleted in 15 days. on 31 day, I will Sue all credit report agencies. Delete and send me copy of report to house 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 2023-09-29 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: HEARTLAND PAYMENT SYSTEMS INC
State: IL

Complaint narrative:
On XX/XX/XXXX, I authorized a payment of {$5400.00} to the Illinois XXXX XXXX XXXX XXXX XXXX ) via the loan servicer XXXX ESCI. I received an online receipt of this payment and online confirmation that it was processed. The intent of the payment was to pay off a XXXX XXXX in full. At some point shortly after ( I believe before XX/XX/XXXX ) XXXX transferred my loan to ESCI XXXX XXXX XXXX XXXX ( EFPLS ). EFPLS has no record of the {$5400.00} payment being made. XXXX ESCI still shows a record of the {$5400.00} payment, and per my calls to XXXX their records show the loan as paid in full. However EFPLS provides no mechanism to submit any documents and their customer service line insists that the university ( IIT ) must reach out to them directly. I have attempted to resolve this issue through XXXX several times ( starting on XX/XX/XXXX and most recently on XXXX ) and been assured that " it will be fixed '' but I have seen no concrete change on the EFPLS account. As of XX/XX/XXXX with the end of the student loan pause EFPLS has sent a demand for payment. Given the apparent inability or unwillingness of the parties ( IIT and EFPLS ) to resolve this matter or allow me to do so, I now escalate it. NOTE : This complaint was previously submitted and sent to XXXXESCI . They were not the appropriate subject of the complaint. The complaint should be directed to EFPLS and to a lesser extent IIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A wire was sent to my account on XX/XX/XXXX and again on XX/XX/XXXX. Each time, Chase, without notice or information provided, held the funds and refused to release the funds into my account despite receiving confirmation from the sending bank. I believe this hold to be founded in XXXX discrimination practices within the bank, based on several customer service interactions I have had dating back to XXXX XXXX, and the bank continues to refuse to release these funds to my account and evade providing additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am sending this letter to your agency to dispute information on my credit report due to the accounts that were opened fraudulently under my name. 

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 explanation
Consumer complaint received 2023-09-29 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: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, Equifax ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the XXXX payments will result in legal action being taking Remove XXXX late payment. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
This company did NOT honor my request for removal. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

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 2023-09-29 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: OneMain Finance Corporation
State: PA

Complaint narrative:
I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: GLOBAL SOLUTION BIZ LLC.
State: MO

Complaint narrative:
This company texted me impersonating a government agency stating I am being investigated for fraud and provided a " case number ''. They then texted my ex husband who I did not provide contact information for as he is in no way involved in my finances. I then called the number provided to point out the abuse and the representative became irrate and began cursing at me so I ended the call she continued to text and call me leaving harrassing voicemails and texts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: Lendmark Financial Services
State: NC

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX  | identified a discrepancy with account listed under LENDMARK FINANICAL SERVICES and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XXXXXXXX  the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX  there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and XXXX credit report. 

On XXXX XX/XX/2023 I notice unauthorized hard inquiries on my credit report, Id like them removed because I did not authorize the report to be pulled for any reason. 

XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX Ally Financial XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 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 2023-09-29 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and XXXX credit report. 

On XXXX XX/XX/2023 I notice unauthorized hard inquiries on my credit report, Id like them removed because I did not authorize the report to be pulled for any reason. 

XXXX XXXX XXXX XX/XX/2023 from XXXX Santander XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX Santander Consumer Usa XX/XX/2023 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express sent me a XXXX card that I had never applied for. 
Someone fraudulently applied for the card and they approved it without my permission. They need to be reprimanded and fined for their fraudulent practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 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: WA

Complaint narrative:
I have a student loan with Nelnet. On XX/XX/2023 I logged into the Nelnet to verify how much I owed for my student loan, which was {$2500.00}. I served two terms with XXXX and received an education XXXX that can be used to pay off student loans. I logged into the XXXX portal and requested the exact amount of the student loan be dispersed to Nelnet ( {$2500.00} ). According to XXXX, this payment was deducted from my education award and was accepted by Nelnet on XX/XX/2023. As of this date, Nelnet is still charging me interest and says they have no record of my payment. They said their system shows no record and they can not do anything to assist me with the interest that is accruing, nor can they assist me with the payment deadline. I am worried that they still will not have located my payment by the due date and it will adversely impact my credit. I have spoken to Nelnet XXXX different times and tried to speak to the solutions center only to be told they can not find my payment but to keep waiting. They said if they locate the payment they XXXX backdate it but can not guarantee it. I am scared of being penalized because Nelnet has lost my payment. The amount has already been deducted from my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
I requested my PMI be deleted on XX/XX/XXXX, after paying my mortgage down to the required LTV. Our initial request was denied for lack of an Automation Valuation Model, with Truist requiring we prove the homes value had not decreased. The denial letter dated XX/XX/XXXX stated we had to pay for a BPO ( {$190.00} ). We mailed the check and signed the required form, and mailed it to Truist on XX/XX/XXXX. Per Truist, they received the form and payment on XX/XX/XXXX. Upon receipt, and after calling Truist, Truist admitted that the BPO requirement was an error on their part, as BPOs are not permitted in West Virginia, and that they would pay for the difference between the {$190.00} BPO fee and the actual cost of the appraisal they were now requiring. On XX/XX/XXXX, we called Truist again, escalating the appraisal order. No callback was received from management or the Mortgage Insurance Department. On XX/XX/XXXX we called Truist, who stated they were returning the BPO fee check to us, and they were cancelling the PMI, effective XX/XX/XXXX. We requested a manager callback, as the PMI deletion request needs now be backdated. No callback has been receieved. Truist then withdrew another PMI premium payment from my escrow account on XX/XX/XXXX. I requested a refund of the unearned premium, and they denied it, stating " When you sent the funds for the appraisal, their website had been updated with a value for your home and your PMI removal was approved. You are required to pay PMI premiums until the month following PMI was removed. Since PMI premiums are paid in arrears you were charged for XXXX on XXXX and XXXX on XX/XX/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 2023-09-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XXXX. Opened a no-penalty CD around XX/XX/2023 ; XXXX. Closed the non-penalty CD around XX/XX/2023 ; and XXXX. Did not receive the full interest earned upon CD closure. 

I called customer service several times regarding the lost interest earned. The lost interest was significant. CSR told me that tax was withheld but I did not choose to withhold tax at withdrawal when the CD was opened. The lost interest amount was even greater than the associated " taxes '', assuming it was withheld. 

I asked XXXX for the signed XXXX XXXX trying to show them I did not choose to withhold taxes. XXXX said that they could not provide it since my CD account had already closed. 

They created a couple of tickets to address but the contents of the tickets misled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: TX

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I applied for a Paypal Credit Account through Synchrony Bank on XX/XX/2023. On XX/XX/2023 I received a denial letter stating " We regret that we are unable to approve your request at this time for the following reasons : No open real estate secured loans in your credit file ... '' Is this legal?

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 2023-09-29 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: PA

Complaint narrative:
I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) 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.

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