vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
Since MOHELA sued to stop the XXXX plan, XXXX applications are not being processed. XXXX XXXX, if the servicer can not process an application within 60 days, they must place the applicant in an interest free forbearance. MOHELA did not do this for me, and when I called to get this done they told me I was on a different forbearance, and so had to call back once my different forbearance expired. When I called back, I was on hold for XXXX minutes and then MOHELA hung up on me. I called back again several days later and requested a callback to avoid MOHELA dropping the call on me again ; after waiting XXXX minutes for a callback, a service rep called and stated they could not handle my request and placed me on a further XXXX hour hold. I then began to speak with a service rep who told me that the forbearance would accrue interest, then transferred me to a supervisor who was unavailable, and I was promised a callback without any specified timeframe I will most likely be unable to pick up as this was my only day off this week. I will likely have to engage in this process again and again and again. MOHELAs conflict of interest appears to incentivize them to XXXX ) avoid implementing policies from XXXX that will cause them to lose any money at all and XXXX ) is engaging in intentional deflection of customers to avoid actually dealing with this. They should not be a federal student loan servicer and I would be interested in any class action lawsuits available to hold them accountable for their nonsense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
You charged me XXXX overdraft fees in the last 5 months. 
I request refund on all of them. 
You are doing this to millions of customers. 
You are purposely delaying incoming transfers and overdrafting the accounts. 
This is done purposely and you are stealing from millions of cunsomers. 
I even do not see anything untill you charge to my account. As your policy, we should be able to make deposit the same day if the account is overdrawn. What you do is blocking incoming transfers so you can charge overdraft fees. 
You are basically using my money to cover my payment and stealing XXXXXXXX XXXX for each transaction. 

XXXX Account number

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 2024-12-18 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: VT

Complaint narrative:
My wife and I purchased our home on a XXXX loan. We were required to get title insurance and went through First American Title. A few years went by and we got a letter from XXXX XXXX saying our property was illegal. We tried to request that First American Title get involved since they we pay them for title insurance. They refused to help and we were stuck with the legal fees of defending our claim. I dont get why we pay them for insuring our title and they wouldnt represent us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: CA

Complaint narrative:
This company contacted me on XXXX/XXXX/22XXXX XXXX XXXX am regarding a debt via telephone. I responded by requesting a validation letter on XX/XX/2024 for the collection account. I never received any response about the validation letter. but continued to receive harassment phone calls on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
In the 2024 year every couple months my credit score drops XXXX to XXXX points. I contacted TransUnion as they are the major unit used on my banks site. Their representative said she could find no reason for this tendency so I asked if they could correct my score to which she replied no. I understand that this is controlled by computer but I am afraid that there is a problem with the algorithms utilized in the programming. Whatever the problem there has been no changes in the report for months but they have again dropped my score XXXX something points. I would like to get to the bottom of the problem here. Thank you in advance for any help with this because the other XXXX agencies seem to reflect Transunion 's assessment here.

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-18 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: NY

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 2024-12-18 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:
The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-12-18 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-12-18 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northstar Location Services, LLC
State: AL

Complaint narrative:
was notified by debt collector multiple times that they were hired by the alleged creditor to intervene on their behalf. I requested that they send proper validation of debt and all the required information to move forward. they then asked that the bank would settle for a lesser amount than what's allegedly owed. I asked them if they bought the debt from the bank and attempting to collect the debt for the full amount. I asked if they would provide the amount the debt was bought for and was told they do not buy debt and attempt to collect. I notified them that the account had been charged off and I wanted a XXXX and have the XXXX released if applicable. the agent for the Debt Collector told me that they could sue me and that it was an option the creditor was looking at. This tactic is false and misleading and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I have a XXXX  XXXX XXXX XXXX credit card that was compromised on XX/XX/XXXX. Someone used the card information to make a fraudulent purchase via PayPal, spending {$360.00} on an unknown item from XXXX XXXX. According to the XXXX  XXXX XXXXXXXX XXXX policy, I must personally visit XXXX of their branches in XXXX  XXXX to report and resolve issues related to credit card fraud. However, I am currently unable to leave the United States due to ongoing immigration processing. 

As a result, I reached out to PayPal to request assistance in recovering the stolen funds. Unfortunately, their customer support has been unhelpful, responding with repetitive automated messages or directing me to log in to the PayPal account used for the fraudulent transaction to file a dispute. The issue is that I do not have access to the PayPal account information used by the fraudster, making it impossible for me to take this step. I am hoping someone can help me escalate this issue with PayPal and seek a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/year>, {$48000.00} was taken out of my account, held at Citibank. On XX/XX/XXXX, first thing that morning, I called your fraud department, alerting them that this was an unauthorized transfer along with several others that were pending. The transactions that were pending were canceled. However, XXXX transfer went through. I was told that those funds would be returned, within XXXX business day. Those funds still have not been returned. As far as I am concerned Citibank has stolen {$48000.00} from a XXXX XXXX 
I have continued to ask where is my money? The continue to tell me they are taking it to the next level.

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 2024-12-19 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: American Recovery Service Incorporated
State: FL

Complaint narrative:
They refused to update the status of the account on my credit report XXXX XXXX is reporting a debt that has not be validated i asked for it to be removed the said its in litigation but if its litigation it should not be reporting as charged off on my credit report they sent me a letter stating its in litigation and for me to contact a XXXX party company who is not on my credit report it clearly has XXXX XXXX on my report " We are unable to respond directly to your complaint. In accordance with our normal collection policies and practices, your account is currently in litigation. The suit was filed on XX/XX/year>, in the XXXX XXXX XXXX XXXX, case number XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Please contact XXXX XXXX XXXX XXXX with any questions or concerns at XXXX. Their hours of operation are XXXX  through XXXX  XXXX XXXX  to XXXX XXXX XXXX '' Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), credit reporting agencies and furnishers of information are required to ensure the accuracy and completeness of the information they report. Specifically : FCRA 1681i ( a ) ( XXXX ) ( A ) : The credit reporting agency is obligated to investigate disputes and correct or delete inaccurate information promptly. 
FCRA 1681s-2 ( a ) ( XXXX ) : Furnishers of information must update credit reporting to reflect the disputed status of an account if the consumer has formally disputed it. 
FCRA 1681e ( b ) : Credit reporting agencies must ensure the maximum possible accuracy of consumer reports. 

My rights have been violated for months and months with is inaccuracy and nobdy has done nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My girlfriend got a XXXX XXXX  She added me as an authorized user thinking it just gave us an additional card. It was never disclosed it would factor into my credit. She removed me the same week and I never used the card I was sent and have no access to this account. Its negatively affecting my account. Experian is the only XXXX who wont remove it. The other XXXX bureaus removed it so XXXX not sure what the issue is.

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 2024-12-18 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: GA

Complaint narrative:
I was reviewing the status off Experian dispute updates that i recieved in their portal and i am disappointed that Experian has already started making blanket responses and resolutions to my disputes as is demonstrated in reports numbered as follows : XXXX and XXXX in violation 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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-19 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: KY

Complaint narrative:
I just got my credit report on XX/XX/year>, and noticed some accounts on my credit report are incomplete and inaccurate. Which is a violation of 15 USC 1681e ( b ). They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this point, I believe they are doing this purpose. According to 15 USC 1681e ( b ). 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. 
XXXX XXXX # XXXX Delete this account immediately, because of violations of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ). 
Possible Financial # XXXX Delete this account immediately, because of violations of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ). 
XXXX ; XXXX # XXXX Delete this account immediately, because of violations 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ). 
XXXX & XXXX # XXXX Delete this account immediately, because of violations 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC1681e ( b ). 
XXXX # XXXX Delete this account immediately, because of violations 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) and 15 USC 1681e ( b ) . 
Once you have deleted these accounts from my credit report, please send me a copy of my updated 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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
MY ACCOUNT # XXXX Whats up Just wan na let you know XXXX XXXX that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX  Time Any other times or methods like live calls or voicemails aint good for me Thanks for understanding Later

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: NC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
So I opened a savings account with Ally bank on XX/XX/year>. 
I had {$1000.00} in my account and I was trying to access my funds to transfer out of it. I was going to zelle the amount and they blocked it. I also tried calling ally bank regarding this issue and they closed my account and wouldnt talk to me. I kept calling numerous times and they kept hanging up on me. They claim that I didnt verify my information which is a lie because i provided all my correct information. They insisted they couldnt help me and kept hanging up on me.

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 2024-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
This company is falsely reporting this auto debt. I also need the following requirements needed if you cant provide me this information then its illegal to report this account thats not reporting accurately.

I need mailed to me : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent.

Company response to consumer: Closed with explanation