vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 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: MN

Complaint narrative:
I have never had an issue with paying my loans before they transferred to this company. Since I've been with Nelnet my credit score has gone down significantly due to being marked as " late payments '' even though my payments were not late. My bank account information was all correct beginning in XX/XX/XXXX, I have tried to resolve the issue of them not being able to get payment from my bank. From XX/XX/XXXX- XX/XX/XXXX none of my payments that I submitted where accepted. Between talking to nelnet and my bank ( XXXX XXXX XXXX XXXX ), nelnet had never requested a payment from them. Then they decided to charge me late fees on top of my regular payments. I've paid well over {$100.00} in late fees with my regular charges. I do not know what is going on with this company but something isn't right. Checking reviews from the XXXX XXXX XXXX XXXX, etc I'm not the only one this has happened to. I've worked hard for my money, I've served this country honorably, this is an absolute shame to even have to deal with this. Even today making a payment on my loans they will not take the payment out until Monday XX/XX/XXXX. How can I go into a store and purchase an item and the payment be taken the same day but yet my loan company can't do the same. Now I'm being charged another late fee, that I will again pay and again my credit will be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: NJ

Complaint narrative:
I didn't sanction these inquiries and firmly believe they're deceitful. I urge you to carry out a comprehensive investigation and promptly erase them from my credit file.

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 2024-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

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 2024-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Movement Mortgage LLC
State: RI

Complaint narrative:
XXXX XXXX, a XXXX  XXXX with Movement mortgage, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  preapproved us for an FHA home loan. 
XXXX then refused to provide to us, our pre-approval letter unless we purchased a home through his preferred agent, XXXX XXXX. 
Our pre-approval letter was never provided to us because we refused to use XXXX XXXX as our realtor. 
XXXX told us multiple times in writing that we were preapproved. Then refused to provide the documentation. He stated he would only show XXXX our pre-approval letter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: NC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: OR

Complaint narrative:
I sent {$1.00} to my father using XXXX and US bank disabled my online account for 48 hours with no possibility of talking to someone to address or fix. 

Refusing access to funds

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 2024-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: FL

Complaint narrative:
My account with Chime had a balance of {$1700.00}. They sent me an email saying they had made the decision to close the account. I spoke to a very nice lady and asked her what I should do. The agent on the phone emailed me a link saying I needed to submit a picture of my ID ( front and back ) in order to reopen the account because it was on hold and they needed to verify my identity. I sent the information Chime requested on XX/XX/2024. Upon submitting they auto populated a message that said it could take about XXXX hours. I waited 3 days and never received an email, so I called them again. The agent on the phone said that they received the information I had sent but Chime still decided not to reopen. I then asked about the {$1700.00} that was in the account prior to closing. The agent did not have a specific answer and continued to say she does not have access to see any further. She was nice on the phone but could not go any further. I have called Chime customer service several times. Most of the agent have been very professional but unable to answer. One agent told me that a check will be mailed to me but could not give me a timeline. THIS IS SO FRUSTRATING. I HAVE NOT BEEN ABLE TO PAY ANY MY BILLS BEACAUSE CHIME IS HOLDING MY MONEY AND I DO NOT HAVE AN ASWER AS TO WHEN OR IF THEY ARE MAILING ME A CHECK. PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/XXXX I sent XXXX XXXX XXXX XXXX XXXXXXXX a request for Debt verification. ( a copy of this request is attached. ) This request was sent by Certified mail with return receipt ( a copy of this receipt that verifies the date the request was sent ) XXXX XXXX  received this request on XX/XX/XXXX as verified by the return receipt ( also attached ) On XX/XX/XXXX I sent Trans Union a dispute ( attached hereto ) requesting this XXXX XXXX record be deleted for failure to respond to my debt verification letter it has been more than 30 days and Trans Union has failed to respond and the complaint of error remains on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was charged a late fee if {$29.00} because my payment was paid on the due date of XX/XX/23 but after XXXX XXXX  XXXX. The company Citi shop your way card said this payment is considered late even though it was paid on its due date. I had another late fee reversed as well because of this same situation. The company said I was only allowed 1 fee reversal per year. 
My statement says my payment is due on its due date, but I dont see anything about 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 monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
This account in particular has been my collections for over a year now I've been trying to get it out of my collections. I even took the initiative to pay the balance even though they were trying to charge me double what I was loaned. Both XXXX  XXXX. And capital one or both set up, paid in full, and should be removed out of my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: LA

Complaint narrative:
I have requested for any late payments on this account be removed or reversed. According to 15 USC 1666b - Timing of Payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title.

The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. 
The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor or services on credit.

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 2024-03-16 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: LA

Complaint narrative:
I have requested for any late payments on this account be removed or reversed. According to 15 USC 1666b - Timing of Payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title. 
The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. 
The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor or services on credit.

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 2024-03-16 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: FL

Complaint narrative:
5 U.S C Code 1666b A creditor may not treat a payment On a credit card account Under an Open end Consumer credit plan As late for any purpose, unless the creditor has adopted reasonable procedures designated to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mail or delivered to the consumer no later than 21 days before the payment due date.

15 U.S.C 1681a ( 2 ) ( B ) can not report containing solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 6802 16 U.S Code 1681A 2 ( A ) transactions are not included in the consumer report Please remove This late payment for XXXX XXXX for XX/XX/2023 And update this account immediately to paid as agreed as you are in direct violation of several laws under The fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: FL

Complaint narrative:
5 U.S C Code 1666b A creditor may not treat a payment On a credit card account Under an Open end Consumer credit plan As late for any purpose, unless the creditor has adopted reasonable procedures designated to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mail or delivered to the consumer no later than 21 days before the payment due date.

15 U.S.C 1681a ( 2 ) ( B ) can not report containing solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 6802 16 U.S Code 1681A 2 ( A ) transactions are not included in the consumer report Please remove This late payment for XXXX XXXX for XX/XX/2023 And update this account immediately to paid as agreed as you are in direct violation of several laws under The fair credit reporting 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 explanation
Consumer complaint received 2024-03-16 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 XXXXXX/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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FREEDOM FINANCIAL NETWORK
State: PA

Complaint narrative:
XXXX is a compant that this company is in diret violation of the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ),. Sometimes around XX/XX/XXXX, Achieve personal loans was placed bac on my credit file after being blocked for identity theft on or around XXXXXXXX XXXX XXXX. I was not notified 5 day prior to this fraudsnt account being reinserted which is a clear violation as I stated aboe..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: PA

Complaint narrative:
When I took out the loan for the car it was drivable but weird bc they told me to make payments at a gas station so I just wanted to see for myself but made payments threw the company then I noticed threw out time something was wrong with the truck one week it stopped then the car starter acted up then I noticed the wire were tapped in side the car then screws were missing I went back and said well theres screws missing in it and it looks old they said its used what do you expect then I said I have to pay XXXX for this and year its used maybe its the way u driving it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

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 2024-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

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 2024-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX This company is re-aging the account as the LAST DATE OF ACTIVITY CHANGES and DIFFERENT ON THE EXPERIAN AND XXXX. Also, they never provided proof of notice... Therefore, please delete this account. 

I have attached a picture for proof.

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 2024-03-16 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief