vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Dear Nelnet Loan Servicing, I am writing to you once more to address significant legal concerns regarding the reporting of late payments on my student loan account and the management of my account since its acquisition. As a resident of California, I am protected by specific state laws in addition to my rights under federal law. 

First and foremost, I would like to address an issue with the transfer of my loan from XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX to Nelnet. I have not received full disclosure following this transfer, which is a requirement under federal law. Specifically, under the Fair Credit Reporting Act ( 15 U.S. Code 1681a ), any entity reporting credit information is mandated to maintain accuracy and full disclosure in its reporting practices. The lack of disclosure in this transfer is a concerning oversight that needs to be rectified. 

Additionally, I reiterate my concern regarding the compliance of Nelnet with 15 U.S. Code 1681a. This statute clearly states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should not be communicated without explicit consumer consent. Given this, I request that Nelnet respond, under penalty of perjury, confirming your compliance with these legal requirements and provide evidence or explanation demonstrating adherence to this federal statute. 

Furthermore, as per the stipulations of California law and your privacy agreement, I am officially withdrawing any consent, implied or otherwise, for the sharing of my personal information with non-affiliated third parties, including Consumer Reporting Agencies ( CRAs ). 

To resolve this matter, I require the following actions : 1. Immediate removal of all inaccurately reported late payments from my credit report. 
2. A comprehensive review of my account to ensure all information is accurate and compliant with both federal and state laws, including full disclosures and proof you sent them.

3. An exact original copy of the entire Master Promissory Note, ( which has been pending for more than 3 weeks of my original request ) 4. Written confirmation that these actions have been completed. 

The seriousness of these issues necessitates your prompt and thorough attention. Non-compliance will leave me with no alternative but to seek legal recourse to protect and enforce my consumer rights. 

I expect a prompt and comprehensive response addressing each of these points in detail. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Last year I applied for Capital One Spark Business card, and the initial application described the card as a " signature '' card. In every case, a " signature '' card of a higher limit with certain benefits regular cards do not have ( lower interest, considerably higher credit lines, and other incentives ). It is my contention that by advertising a " signature '' card and then opening an account with the lowest limit possible ( XXXX ), CapitalOne is using deceptive advertising to lock consumers in to an account that can not possibly help them. It is a pattern and a practice, and the fact is an account of this particular type and limit does little for someone like myself who has graduated to XXXX limits and the perks that come with that. My XXXX XXXX dropped and my profile itself will likely suffer as I have no choice but to close it. It should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The personal data reporting 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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: SC

Complaint narrative:
I was laid off due to the pandemic and called Discover Bank to make accommodations to ensure my credit would not be impacted because due to my hardship. I recently check my credit report in XX/XX/XXXX. I called Discover and was assured the late payments were in error and would be updated and removed. I checked my report again XXXX and XXXX and seen the payments still being reported. I contacted XXXX and XXXX and requested verification of me being late. I have not received a response and this is severly impacting my payment history. Reporting inaccurate late payments to my profile is in violation of 15 USC 1681 s-2 ( f ), those payments were covered under CARES ACT. After calling to ensure the LATE PAYMENTS ( XXXX, and XX/XX/XXXX ) reporting was in error, this further violates 15 USC 1666B.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I was laid off due to the pandemic and called XXXX XXXX  to make accommodations to ensure my credit would not be impacted because due to my hardship. I recently check my credit report in XX/XX/XXXX. I called XXXX and was assured the late payments were in error and would be updated and removed. I checked my report again XXXX and XXXX and seen the payments still being reported. I contacted Experian and XXXX and requested verification of me being late. I have not received a response and this is severly impacting my payment history. Reporting inaccurate late payments to my profile is in violation of 15 USC 1681 s-2 ( f ), those payments were covered under CARES ACT. After calling to ensure the LATE PAYMENTS ( XXXX, and XX/XX/XXXX ) reporting was in error, this further violates 15 USC 1666B.

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 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Regions Bank has brutally charged me overdraft fees and there is no retraction in place. All except to hide my bank statements and trying to remove any information related to my previous accounts when I did nothing wrong. Regions also sent to collections.i I am victim aggressive identity theft. At one time Regions had the incorrect address and I requested the address to be changed but somehow it was immediately changed. Having an apartment number as if to deceive and commit fraud.

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 2024-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
my balance was paid and the account should report current and correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have previously filed dispute # XXXX with the CFPB. I believe Wells Fargo will try to claim this is a duplicate dispute but it is not. My previous claim mentioned fraudulent charges that were made through the money wiring services of XXXX and XXXX via accounts set up in my name with information stolen from me by scammers. These wire transfers were sent to people I have no connection with in different countries. Wells Fargo only addressed and reimbursed me for the fraudulent charges made via the wire transfer service of XXXX. This dispute relates to the fraudulent charges sent through the wire transfer service of XXXX which were not reimbursed. The fraudulent wire transfers totaled to the amount of {$5900.00}. These wire transfers were sent on XX/XX/23 and XX/XX/23 to the recipients of XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. I have this information because the XXXX account was set up in my name by scammers who stole my personal information and identity. I did not authorize these charges in any way. Wells Fargo should be reimbursing me for these fraudulent charges.

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 2024-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
discover bank did a wire transfer from my savings account for XXXX dollars. I contacted the bank and XXXX  reporting the theft. discover bank has not gotten back to me with any report on trying to rescue the money that was sent. It has been over seven months the money was taken from saving account XXXX after the theft was reported my saving account number was changed. the federal ttracking number of the money was told by discover to be XXXX For seven months I can't get an answer out of discover bank. XXXX and I keep calling and they keep trying to get a supervisor on the phone and nothing happens. The theft was reported to XXXX XXXX police. the month was sent to a XXXX XXXX  bank account. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: GA

Complaint narrative:
I am aware of all rights that I have and that are protected by Congress under the Fair Credit Reporting Act. The credit reporting agencies Transunion and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Section 604a, Section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
I paid the outstanding balance on my XXXX  account in-store at XXXX XXXX and requested XXXX XXXX unlock my XXXX. To date, they have not done so. Father, XXXX has place my account in Collections. Despite the balance on the account being 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 2024-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: NC

Complaint narrative:
I received my escrow analysis for XXXX in XX/XX/XXXX. The analysis was incorrect, so I contacted the company to ask for a new analysis to be run. The company BSI Financial generated an incorrect escrow analysis the previous year by not including my property tax in the escrow payment. This led to a shortage in my escrow account, but the shortage amount is almost three times what it should be. I called at least 5 times. Each time I call, I get a different answer from the customer service department. I called and requested to speak to a supervisor right after XXXX. Was told no-one was available but someone would call me back. I am still waiting. 
I called again on XX/XX/XXXX, another rep said she would submit the request again. Her name was XXXX. She said it would be ready by XXXX. I called back on XX/XX/XXXX, only to be told it was not ready. It was still pending. I spoke to a supervisor named XXXX. He said he would escalate and it would be ready the next day, which is today XX/XX/XXXX. I called back today only to be told it's still pending. A supervisor was not available for me to speak to. This company is incompetent at the highest level. Nobody seems to know what they are doing and nobody gives accurate answers. I am trying to get my issue resolved but not making any progress. 
Additionally I sent in {$4000.00} to clear the shortage, and those funds seems to just be sitting there. The information listed on my account for the new payment is incorrect. I have XXXX faith in this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: GA

Complaint narrative:
I reviewed my consumer reports and noticed that i had two late 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 late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX 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 late. 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 non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Mr. COOPER bought my loan from XXXX XXXX and lost my data a few days later to the Dark Web. The way they handled the situation was horrible. They gave no details and let us know only after the mainstream media got a hold of the news. 
Aside from that catastrophe, contacting them is an ONGOING NIGHTMARE. You try to call them and get an actual human being. Their website has one phone number on it hidden within many links to click thru before you get to it. Their automated machine is garbage. 
Do you know how it feels to go from XXXX XXXX to Mr Cooper losing all my data to fraudsters and not being able to even contact them about a simple question about my mortgage?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to you once more to address significant legal concerns regarding the reporting of late payments on my student loan account and the management of my account since its acquisition. As a resident of California, I am protected by specific state laws in addition to my rights under federal law. 

First and foremost, I would like to address an issue with the transfer of my loan from XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX to XXXX. I have not received full disclosure following this transfer, which is a requirement under federal law. Specifically, under the Fair Credit Reporting Act ( 15 U.S. Code 1681a ), any entity reporting credit information is mandated to maintain accuracy and full disclosure in its reporting practices. The lack of disclosure in this transfer is a concerning oversight that needs to be rectified. 

Additionally, I reiterate my concern regarding the compliance of XXXX with 15 U.S. Code 1681a. This statute clearly states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should not be communicated without explicit consumer consent. Given this, I request that XXXX respond, under penalty of perjury, confirming your compliance with these legal requirements and provide evidence or explanation demonstrating adherence to this federal statute. 

Furthermore, as per the stipulations of California law and your privacy agreement, I am officially withdrawing any consent, implied or otherwise, for the sharing of my personal information with non-affiliated third parties, including Consumer Reporting Agencies ( CRAs ). 

To resolve this matter, I require the following actions : 1. Immediate removal of all inaccurately reported late payments from my credit report.

2. A comprehensive review of my account to ensure all information is accurate and compliant with both federal and state laws, including full disclosures and proof you sent them.

3. An exact original copy of the entire Master Promissory Note, ( which has been pending for more than 3 weeks of my original request ) 4. Written confirmation that these actions have been completed. 

The seriousness of these issues necessitates your prompt and thorough attention. Non-compliance will leave me with no alternative but to seek legal recourse to protect and enforce my consumer rights. 

I expect a prompt and comprehensive response addressing each of these points in detail. 

Sincerely,

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 2024-01-12 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:
Please see attached documents. Do not close this comasfplaint stating it is not me. I am a natural person and a consusfamer.

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 2024-01-12 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: NY

Complaint narrative:
I noticed there are two fraudulent accounts that I did not authorize on my credit report that needs to be removed as this is impacting me negatively! Please fully investigate into these accounts and multiple fraudulent hard inquiries as well that are stated in the attached FTC report. I also attached my ID & SSN to verify my identity thank you.

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 2024-01-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Company, Capital One has refused to comply with federal law and consumer laws violating my rights as a consumer. The company has violated my privacy rights under The Privacy Act of 1974. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). Congress advises any of my private information is not for public. Capital One has violated federal and consumer laws According to 15 U.S. code 6801, It is the policy of the Congress that each financial institution those that have extended lines of credit have an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 U. S. code 6802, follows by adding that, a financial institution may not directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice. A company must provide XXXX disclosures before information can be exchanged and the customer must agree first. The financial Institution must conspicuously disclose to the customer in writing or in electronic form that such information may be disclosed to such third-party. Capital One has no permissible purposes, According to 15 U.S. code 1681, of this inquiry on my consumer credit reports. The reporting status of the account is " Charge off ''. According to the IRS Publication charge-off accounts are considered " Certificates of Indebtness '', which means it is income and must be removed. Income can not be reported to a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The personal data reporting is inaccurate.

Company response to consumer: Closed with non-monetary relief