vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: ID

Complaint narrative:
Complaint Against XXXX  for Denial of School Misconduct Discharge Application for Private Student Loans Details of the Complaint : XXXX. Background : I am a former student of the XXXX XXXX, which has been widely recognized as having engaged in systemic misconduct, as validated by federal loan discharges granted to borrowers who attended the school. The Department of Education discharged federal student loans for former XXXX XXXX students under the XXXX XXXX to Repayment program due to misrepresentation by the institution regarding employment prospects, career services, and other critical factors. 

Based on these findings, I submitted a School Misconduct Discharge Application to XXXX  for my private student loans, seeking relief based on the same documented misconduct. 

XXXX. Response from XXXX XXXX XXXX  denied my application, stating that I do not meet the requirements for discharge based on misconduct by [ my ] school. This denial is in direct conflict with the established findings by the Department of Education that led to the discharge of federal loans for thousands of former XXXX XXXX students. 

XXXX. Basis for the Complaint : Misalignment with Federal Findings : XXXX  decision is contradictory to the federal findings that resulted in the discharge of federal student loans for XXXX XXXX attendees. If the misconduct by the XXXX XXXX warrants forgiveness for federal loan holders, then it should logically apply to private loan borrowers as well, who were similarly impacted by the institution 's misrepresentations. 

Unfair Treatment of Private Loan Borrowers : By refusing to discharge loans based on the established misconduct by the XXXX XXXX, XXXX  is effectively discriminating against private loan borrowers. Many former students, including myself, relied on private loans as well as federal aid to fund our education, expecting that the XXXX XXXX claims about employment opportunities and career services were accurate and reliable. 

Federal Trade Commission Holder Rule : The Federal Trade Commissions Holder Rule provides protection for consumers against misconduct by lenders if there is evidence of fraudulent activity by the educational institution. As the Department of Educations findings confirm the XXXX XXXX misrepresentations, XXXX  has a responsibility under this rule to offer relief. 

XXXX. Impact of XXXX  Decision : This denial leaves me, along with many other former XXXX XXXX students, burdened by private loan debt that was taken out under false pretenses and based on misleading information provided by the school. 

XXXX  failure to provide discharge exacerbates the financial strain resulting from an education that did not fulfill the promised outcomes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 XXXX 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 2024-11-04 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: NY

Complaint narrative:
XXXX is reporting information of accounts that have been identified as opened fraudulently. According to the FCRA 605B any accounts that have been opened by way of identity theft shall be blocked from reporting and removed. 

These accounts are Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$850.00} written off. {$850.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$850.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$500.00} Highest balance {$850.00} Terms name XXXX XXXX XXXX 
Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$42.00} written off. {$42.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$42.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$1800.00} Highest balance {$82.00} Terms - Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$640.00} written off. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$640.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$400.00} Highest balance {$640.00} Account name XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment {$50.00} as of XX/XX/XXXX Monthly payment - Credit limit {$450.00} Highest balance {$1400.00} Account name XXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1100.00} Account name XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$870.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$870.00} Balance updated XX/XX/XXXX Account name XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1400.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$480.00} These accounts should be removed off my account immediately as they are a result a 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 non-monetary relief
Consumer complaint received 2024-11-04 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: FL

Complaint narrative:
The experian agency is allowing this debtor Affirm which is a online lending agency. Under the Fair Credit Reporting Act ( FCRA ), there are several potential violations related to your situation : Reporting Multiple Debts : If a creditor reports the same debt multiple times, it could be considered furnishing and reporting inaccurate information, which is a violation of the FCRA. This can negatively impact your credit score and misrepresent your financial situation. 
Harassment by Texting : Repeatedly texting you to collect a debt can be a violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassment or abuse by debt collectorsXXXX. This includes excessive communication or using threatening language. 
Credit Reporting Agencys Role : If a credit reporting agency allows the same debt to appear multiple times on your credit report, it may be failing to follow proper procedures for ensuring the accuracy of the information they report. This is also a violation of the FCRA.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I Had deposited a XXXX XXXX  check in to my account last month the check cleared and now all of a sudden they locked my account and wont give a access to my money. they said they are investigating the account and they don't know how long it will take. I read online about many other customers with Capital One debit cards with the same complaints and they can take months to investigate. This company is a complete fraud they purposely locked they account to hold on my money and will not give a clear answer because they want me to wait as long as they can extend it to drag the date of the funds to be released. For every tranaction i was make they kept locking the account even though they funds were available and they approved it in the beginningeginning this bank is a gimmick.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY

Complaint narrative:
They have all of the money sent from our insurance to fix the home of from an XXXX. In order to disperse more money after the initial payment an inspection needs to be done. They have failed to send someone out. We are going on week XXXX of no call or response from an " inspector ''. We owe less money on the home than the current amount they are holding from us. We are displaced and currently living in a rental that the insurance is paying for but that will run out before the home can get finished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I would like to close the Paypal account associated with email address XXXX. The Paypal account was limited many years ago and thus I was unable to change or remove any bank accounts associated with the Paypal account. I would like to close this Paypal account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
National Credit systems sent a letter to my moms house saying that I owed a {$350.00} debt because of damaged to the flooring at my old rental address that didnt exist. They provided no proof of the damage and told me I would still have to pay the debt. I have disputed the debt and a week later have still not received any communication back. The entire situation is very sketchy, and my old property manager treated me terrible and did very sketchy stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/XXXX - I received a Statement/Bill for my Bank of America account XXXX ending in XXXX ) in the amount of {$1100.00}, which is correct. The payment was due on XX/XX/XXXX. 
XX/XX/XXXX - I applied my {$1100.00} of my REWARDS dollar value to this balance. 

The transfer of {$1100.00} and credit to my account was confirmed through their website.

On XX/XX/XXXX I checked my account on Bank of America 's website. It showed the Statement AmounXXXX of {$1100.00} and the subsequent transfer of {$1100.00} in REWARDS funds. However, it also showed a 'MINIMUM PAYMENT DUE ' of {$2.00}. 

I called the Bank of America support line to ask about this {$2.00} charge. I was transferred to a supervisor 'XXXX  XXXX who confirmed that my REWARDS transfer was the same amount as the Statement Balance, however there was a {$2.00} charge due for using the REWARDS funds to pay off the balance. When I questioned this, I was transferred to a 'Credit Manager ' named XXXX ' XXXX After reviewing the account and the case details, XXXX informed me that the actual minimum payment due was not {$2.00} as XXXX had insisted, but {$25.00}, in spite of the {$0.00} balance. XXXX further indicated that if I did not make the {$25.00} payment, I would be charged an additional {$39.00} Late Fee. I believe this position change and the threats accompanying it to be punitive actions to punish me for questioning their charges and insisting on sp [ eaking to a Manager.

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 2024-11-04 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: CA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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 2024-11-04 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: CA

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me XXXX XXXX. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-11-04 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: EQUIFAX, INC.
State: WV

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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 need your support in addressing this false account on my credit report. This has impacted my standing as a customer, and I would appreciate your help. These accounts should be taken off due to the inaccurate and negative reporting.

Company response to consumer: Closed with explanation