vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-01-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Prosper Marketplace, Inc.
State: VA

Complaint narrative:
Prosper call 57 times in a 2 week period Then calling 30+ times one week Once then I was able to log in to make a part payment then the account was closed out and sent to different companies.

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 2024-01-04 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: KY

Complaint narrative:
In XXXX, I submitted an XXXX for the PSLF Program. This XXXX was for payments XXXX and XXXX to then qualify my loans for forgiveness under the PSLF Program. I have a letter dated XX/XX/24 that indicated my XXXX was processed and that I had obtained 120 qualifying payments. However, a week later, my account was placed on a retroactive short-term forbearance that I did not ask for, because they didn't send out a billing statement in a timely manner back when my first payment was due in XXXX. This cascaded into my 120th payment being moved from qualifying to ineligible. So now I only have 119 qualifying payments, a second letter was sent, dated XXXX. I called Mohela on XX/XX/XXXX to ask what was going on. The customer service representative told me that they would be getting someone to fix the account. I called again on XXXX and this representative told me that the only way this was getting fixed was through the IDR waiver and there was no way for them to tell me when that might happen. Because my account had already reached 120 qualifying payments once, I am concerned that the IDR waiver will not be triggered. I am also concerned about this retroactive change to my account. They should not be able to go back and change an eligible payment to ineligible because of their mishandling of accounts. This unrequested blanket fix for their past mistake is causing undue hardship and suffering for borrowers who have fulfilled their requirements of the PSLF program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: U.S. BANCORP
State: OH

Complaint narrative:
On or about XX/XX/XXXX I called US bank line of credit to know why I can not borrow from the line of credit, even though the line of credit showing {$1500.00} of credit line. The associate I was on the call with, confirmed US bank is accepting only payments from me. borrowing option is closed. After the call, around tow or three business days the account was reflecting what the associate was saying, {$0.00} available to borrow. So this appears US bank actually closed my account without letting me know. US bank used to say in the Ad, that they are the most ethical bank. Well, this is unethical and deceiving if you did not let me use the account and accruing interest and fees at the same time. I believe it is because of no financial institution can charge or add interest on a officially closed account. Also talked about a one time {$20.00} fee amnesty. The associate assured it would be reflecting within 48hours, which never happened. This is unethical. Thanks.

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 2024-01-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
I submitted a dispute for XXXX telespych for {$140.00}. I had not heard back from cash app when I first submitted it on XX/XX/21. However that day the system prompted me to verify my XXXX information and order a new card which I did. That Monday I chatted in to check the status of the claim and they said they had no records of it so I needed to submit it again which I did which then prompted me to order a new debit card. I later tried to use the virtual card, the app promoted me to order another card, the next day the system promoted me to order another card again and the following day. I called and spoke to someone on XXXX and told them what I was experiencing the associate said it was a tech glitch and would receive an email back from that team since the system shouldnt be asking me to order a new card everytime I log in. I received an email from the tech team saying they could not help me because they couldnt verify me via email, that I didnt open the tech ticket through the app but the associate opened it for me. I later get an email regarding th dispute saying that couldnt verify my identity which is required in order to submit the dispute. I on back on the app and the system prompted to order yet another debit card! Which I tried to do but received a message. I got an email saying my card had been closed due to security reasons. I was required to upload my passport which I did immediately after chatting I with another associate. I am still unable to order or use my cash app card, Im still unsure if they verified me and I have not received any notice that my claim is being reviewed now that I am verified as promised in the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have seven Inquiries on my credit XXXX XXXX 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 2024-01-04 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: FL

Complaint narrative:
XXXX XXXX has reported 3 months of late payments when account was on an auto debit and funds were debited from my account every month on time. 

XX/XX/XXXX {$170.00} Direct Debit XX/XX/XXXX {$170.00} Direct Debit XX/XX/XXXX {$170.00} Direct Debit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

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 2024-01-04 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: NC

Complaint narrative:
I have unauthorized, misinformation reported or unverified accounts on my consumer report. Please physically verify all dates, amounts, balances, calculations and accounting records. I have no knowledge of how the misinformation is on my 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 2024-01-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have unauthorized, misinformation reported or unverified accounts on my consumer report. Please physically verify all dates, amounts, balances, calculations and accounting records. I have no knowledge of how the misinformation is on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: NC

Complaint narrative:
I have unauthorized, misinformation reported or unverified accounts on my consumer report. Please physically verify all dates, amounts, balances, calculations and accounting records. I have no knowledge of how the misinformation is on my 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 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
We have a Premium Checking Account at M & T Bank. One of the features of this account is " Free Standard Check Orders. '' This information is publicly available here XXXX XXXX XXXX XXXXwww3.mtb.comXXXX. We attempted to place an order for free checks online, over the phone, and at the local branch. In all cases, we were instructed to pay a third party for the checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: MO

Complaint narrative:
Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement.

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

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 2024-01-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am requesting a copy of my signed lease contract to prove that I have accepted and agreed to any charges. It is illegal to charge for something that I have not accepted or signed. According to the law, I have the right to evidence and the only thing they have sent me is a payment history with dates that they claim I owe them. However, this is not true as I was not living in the apartments when they claim my first default was. I have spoken with the administration several times, but they do not have a copy of my contract or any information about it. I have disputed this multiple times but have not received any response. According to the fair credit law, I need all the proof that the account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello, this happened on XX/XX/2023, I went to a car dealership to buy, I shared my personal information so that an inquiry could be made with my bank, but apparently they shared this information with many other lenders without my authorization, so I am disputing these inquiries, which I do not know

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Hello, this happened on XX/XX/2023, I went to a car dealership to buy, I shared my personal information so that an inquiry could be made with my bank, but apparently they shared this information with many other lenders without my authorization, so I am disputing these inquiries, which I do not know

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 2024-01-04 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

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 2024-01-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
Hi! I decided to buy out my lease for a Toyota XXXX. I paid for it in full, and the total I paid ( including sales tax ) was {$14000.00}. I mailed them the payment using a Cashier 's Check, on XX/XX/XXXX. Based on Toyota Financial Services ( TFS ) 's record, they received the payment on XX/XX/XXXX. Then, based on TFS 's customer service, they mailed me the title on XX/XX/XXXX, however I never received the title. 

After contacting TFS about not receiving the title, I was told that they are going to provide a lien release letter, so that I could take it to my local XXXX  XXXX to get a duplicate and then transfer the title under my name. I received a lien release letter, dated XX/XX/XXXX, on XX/XX/XXXX. I took the lien of release letter to my local XXXX  XXXX on XX/XX/XXXX, and I was told that TFS has to provide a signed and stamped duplicate title before I can proceed with getting a new title. Moreover, I was told that I need to pay a penalty fee, since based on XXXX  XXXX, the title transfer has to take place within 10 business days from the date the vehicle was purchased. 

After coming back from the local XXXX, I contacted TFS, and they said they have requested a duplicate title, but it may take 6-8 weeks, which is quite a long time! On their own website, they say it should they 15-30 days! 

I am incredibly frustrated with TFS and would like to be able to get the duplicate title as soon as possible, so that I can finally have the car title under my name, since I am the owner and I paid for the car in full long time ago! 

I am incredibly frustrated with TFS and would like to be able to get the duplicate title as soon as possible so that I can finally have the car title under my name, since I am the owner and I paid for the car in full long time ago! 

Moreover, I would like to be reimbursed for the penalty fee that I need to pay to my local XXXX  XXXX. 

TFS should overnight/expedite mail the duplicate title to me, as I am the owner of the car and they have neglected to do so in a timely manner over the last several months. Further, TFS should reimburse me for the XXXX penalty fees that accrued because they did not send the title when they were supposed to, and have failed to effectively address my many calls and complaints since that time. 

To be clear, in my view this is the bare minimum to resolve the immediate issue. I have been a loyal Toyota customer and promptly paid any bills or otherwise upheld my responsibilities. If they have any interest in retaining me as a customer in the future, they should compensate me for the significant time and energy I've put into resolving this issue by covering my next bill for Toyota-recommended car service ( based on current mileage ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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:
I have three accounts appearing on my credit reports. 

XXXX. XXXX XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX IN {$2400.00} XXXX XXXX XXXX XXXX {$820.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: PA

Complaint narrative:
I have three accounts appearing on my credit reports. 

XXXX. XXXX XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX IN {$2400.00} XXXX XXXX XXXX XXXX  {$820.00}

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 2024-01-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with explanation