vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 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: MD

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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 EXP 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 seven 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: DE

Complaint narrative:
I consolidated my loans with MOHELA, and received less favorable terms, solely for the purpose of eligibility for the Public Service Loan Forgiveness waiver ( PSLF ). All paperwork was submitted timely, and I have met there requirements for eligibility. 

MOHELA will not make itself available for inquiries. Their website is useless, and only directs you to forms and FAQ 's. Calling them is a waste of time because you will not get a live agent, no matter how hard you try or how often you call. Meanwhile, they are sending me bills for a loan that should be forgiven. This is egregious.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

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 2023-11-15 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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/XXXX, I spoke with Bank of America about my RV loan. I mentioned that I was out of work because of XXXX and was curious if they had a deferment program. I told them I would probably sell the RV, but the customer services rep told me about a deferment program where all the principal and interest is deferred for XXXX months. Since I had a similar program for my car, I took them up on their offer. During XXXX, I started noticing that all my payments were going to interest and none to principal. In XXXX only {$26.00} of {$4900.00} paid in XXXX was allocated towards the outstanding principal on my RV loan and a majority of these payments were overpayments. I contacted Bank of America and stated that this was incorrect as I was told interest would be deferred. I asked for a copy of the program I agreed to or the ability to listen to a recording of the call. They provided neither. I went to the OCC and they refused to investigate. I am asking that the CFPB require BofA to allocate more of my payments to interest and also pay a fine for profiteering.

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently checked my credit reporting profile. There are unauthorized accounts that need to be removed as soon as possible. I have no given any consent for the following accounts and inquires to be reported to my credit report. They are in violation of my consumer rights. I am human there is no 3rd party involved. I have filed and reported with FTC, XXXX, and Texas Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Cancelled GAP Warranty on XX/XX/2023. Cancellation confirmed with XXXX XXXX - XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX. 

Cancellation request was for the following : Make : XXXX Model : XXXX VIN : XXXX Current Miles : XXXX XXXX confirmed XXXX amount of refund is {$970.00}. 

XXXX issued the check ( check number XXXX ) to Truist bank on XX/XX/2023. 

Truist bank cashed on XX/XX/2023. 

I have called Truist bank multiple times per week since XX/XX/2023. On XX/XX/2023 Truist informed me they could not find the check that XXXX XXXX sent them and they had no way to find it. I was instructed to wait another XXXX to XXXX business days to follow up. I called the following week and was again informed from Truist that they had no record of the check being cashed or sent by XXXX XXXX. 

On XX/XX/2023, I called Truist again and was told by Truist that they still could not find my money and that I need to submit a lost payment to XXXX. I sent the email with copy of the check showing the deposit by Truist bank and I sent them a copy of the confirmation of cancellation. 

On XX/XX/2023, I called Truist again and I was told they have found my money but can not issue me payment due to their system integration and they had no ability to issue refund checks at this time.I called Truist local branch XXXX XXXX Texas at XXXX and talked to the bank XXXX. He told me he was not able to issue me funds as they do not process refunds at there branch.

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 2023-11-15 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have XXXX fraudulent charges on my credit card. 

XXXX - {$200.00} XXXX 's {$200.00} XXXX XXXX- {$350.00} I have disputed these transactions 3 times and each time they close the account and send a new card. Once that is done they are transferring the fraudulent charges to the new card and saying the dispute was done on the old card so they would have to do a whole new dispute which includes them cancelling the replacement card and sending out a 3rd replacement card. They are giving me a looped run around over the phone. Each time I call I am being transferred to 4-5 different agents and when asking why the disputes are not taking place properly that is their reasoning given. They are also allowing this to go on so long that I am also being charged interest fees with the fraudulent charges included. My cards limit was {$3500.00} and they have allowed that total to climb to {$4500.00} including allowing the fraudulent charges to go through after the XXXX limit was reached. They are now making it as difficult as possible to dispute the 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 monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I requested a credit of a {$40.00} late fee. Capital One did grant me that. I have been a good customer. I pay on time. I was late maybe one other time. I was late this time because I am the main income earner in my household. My wife has gotten a job now but she got behind on some of her credit accounts. I was helping her out and just missed paying mine. {$40.00} is like {$400.00} to me especially in this terrible economy we have. {$40.00} is nothing to Capital One. In fact Capital one is not being inclusive of folks like me who are trying to make it day to day. They are penalizing me and discriminating against me. I made a payment after the due date. I have not missed a payment in my time having this account. It is a shame that Capital One in this day in age with the terrible economy and inflation would not be inclusive or understanding of someone who just missed one payment but then the next day or so made a payment. Penalizing me the way they did makes it harder to pay them and they make more money on the interest. It is not an equal scale. I am sure Capital One does the same to XXXX people and XXXX people. They fleece everyone, they shake down everyone. I wish they would just credit me the {$40.00}. That is an extremely high late fee. I can understand charging a late fee if someone doesn't pay, but I paid the next day so i think they should credit late fees back if someone makes a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I show XXXX incorrect credit checks on my XXXX report ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and I demand they be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: MD

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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 EXP 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 seven 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 of 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 2023-11-15 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: MD

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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  EXP 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 seven 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 of 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 2023-11-15 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: MD

Complaint narrative:
I have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: CITIBANK, N.A.
State: WI

Complaint narrative:
I submitted a dispute per their process for a defective item, but the credit card company ignored the information sent in about it being defective and instead requested a credit slip from the merchant when I already tried to exchange with merchant and the merchant stopped communicating with me. I responded to the initial denial of the dispute with the information requested of the complete description of my original claim and that the merchant would not do anything and the reason for my dispute was because the merchant would not fix the the situation with the defective item. Please see attached the letter I sent to Citi Card with all attachments showing communication with the merchant, the defective product, and the Citi response letters and the merchant response letter. Citi Card closed the investigation and left me with a defective product and the merchant with the {$200.00} plus 5.5 % tax ( {$210.00} ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
I was previously serviced by My Great Lakes, however after submitting my first Employment Certification Form for XXXX XXXX XXXX XXXX as a local government employee I was transferred to Mohela. I never had issues with XXXX XXXX, but Mohela is now becoming a massive headache. 

On or about XX/XX/XXXX, I noticed my Mohela account added an " alert '' to my account ( amongst other generic information for all borrowers ) that stated : -- - Renew Today! If we do not receive your income-driven repayment plan renewal request immediately, your payment may change and capitalization of unpaid interest may occur. To renew, sign into XXXX and select? Apply for an XXXX XXXX XXXX.? 
-- - Digging further into other pages on the MOHELA website, I noticed that they stated my XXXX Plan Renewal Date as XX/XX/XXXX. However, previous written guidance from XXXX ( https : XXXX ) stated that nobody would need to recertify prior to XX/XX/XXXX. If your recertification was noted to be before that date, it would be pushed back by a full year ( XX/XX/XXXX in my case ). There has been no official statement, message, or email on my account from Mohela other than this easily missable " alert '' compared to XXXX XXXX which sent clear reminder notices as the dates approached. 

I reached out to the XXXX XXXX XXXX XXXX XXXX based on the contact information listed on studentaid.gov. Unfortunately they stated that for XXXX XXXX XXXX I would need to contact MOHELA. 

When I called in to MOHELA early this morning, I had to hold for approximately XXXX minutes which was a pleasant surprise given the horror stories I'd read previously on hold times. The rep that was " in training with [ her ] mentor present '' said my plan shows it expired last month with them but my payment will continue as it was pre-COVID until I recertify again and it's " just something everyone working with it knows ''. 

I don't think something with as much baggage as federal student loans should be handled in such a cavalier/informal manner and submitted my FSA complaint after that as I do not want to end up in a situation where it is stated that I did not try to address this. 

My XX/XX/XXXX payment processed as normal for {$290.00}. As of checking my account on the morning of XX/XX/XXXX, my next " XXXX XXXX XXXX '' is {$640.00}. This clearly contradicts what I was told over the phone and is noncompliant with FSA guidance. 


Further, my federal loan and my private loan through XXXX, which is also serviced by Mohela, are getting crossed somehow. Since federal loan repayment resumed, I get monthly notices with XXXX logos stating my federal loan amount ( {$290.00} ) instead of the private loan amount ( {$550.00} ). This is further negligence in the way Mohela is handling my account information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: VA

Complaint narrative:
TransUnion send me affidavit to sign when I submitted a FTC report. 
After signing the Affidavit and sent it back Transunion flagged that it was not sent by me. 
When I ask them what do I need to do to proof that I sent the documents TransUnion refused to answer my question. 
The bankruptcy in question was deleted by the following bureaus. 
XXXX deleted it. 
XXXX delete it. 
XXXX XXXX Deleted it. 
Only TransUnion does not follow the FCRA guideline. 
TransUnion also claimed that the furnisher was the Bankruptcy court and when I submitted the document from Bankruptcy court that the bankruptcy court does not furnish anything to credit bureaus Transunion refused to do their job under FCRA. 
I will attached every single documents that TransUnion failed to address.

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