vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account # XXXX 90 days late.

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 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account, XXXX OPENED XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights.

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

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 2022-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XX/XX/2022 I withdrew {$200.00} from M & T Bank 's ATM in XXXX, Maryland and received precisely {$200.00} routinely as expected. Then, on XX/XX/2022 they charged me an additional {$300.00} on the same checking account giving only a reason of " Misdispensing ''. 
Upon my inquiry to their office about the charge, they said their ATM malfunctions, thinking they dispensed {$500.00} instead of {$200.00} of my withdrawal. I disputed with them that I only received {$200.00} as requested. I was not aware of this incident until XXXX that's why I visited them on XX/XX/2022, since they never indicated of this charge to me until I used the ATM again on XX/XX/2022 and found out from the lower balance than expected on my account. Upon additional visit to their office I learned that their ATM had a video recording on each withdrawal cash, but never offered to show or confirmed that they used any kind of evidence to support such a charge to me. Nevertheless, it's their machine, it is under their control and I have nothing to do with it. I needed at least some evidence like documented by the machine like the video recording for them to make such a charge to me. The bank so far has provided no solution to this dispute upto now.

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 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX, I sent a letter regarding inaccurate and unknown information on my credit report to the following credit bureaus such as XXXX & Equifax with the results stating that my credit report was verified and has been updated. My account information still remains inaccurate and needs further investigation. I feel that I am being taken advantage of when they can clearly see the errors on my account. I demand that these accounts be deleted immediately or I will file litigation due to the stress that this situation has caused me. My information was also impacted by Equifax data breach and may have got into the hands of the wrong people.

If after any re-investigation 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 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 re-investigation. 

XXXXEquifax Inaccurate address/Account status Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On a call with XXXX XXXX prior to XX/XX/2022 I was told by a representative that my payment was still needed from XXXX. I initially called XXXX XXXX  to complain about there lack of communication and clarity on my new loan, but all was fine. On this call I was ready to pay for my previous and upcoming payment, but out of time convenience I asked the agent if I can the next day. Paying on this phone call was no issue and my bank statements/ available liquidity on file during this call would prove this to be true. Unfortunately, the XXXX XXXX agent told me it was no issue of me paying the next day, assuring me I would get no late payment on my report as long as it was done by then. Even doubling down explaining that they would grant me a 1 time removal of generosity if the system was to flag me. The next day I placed the payment and was hit with a late payment on my report ( my first ever late payment and my credit dropped nearly 100 points over night. I was XXXX XXXX XXXX with a huge focus on building my credit and have done everything for this to never happen ). When I called XXXX XXXX the next day they told me they ended their " 1 time removal of generosity '', the day before being the last day, also the day I first spoke with them and was given the reassurance. This is unaccepetable and unfair to me quite frankly and I have everything documented that proves the negligence toward me as a first time borrower that has never had a late payment. I have been back and forth with them now for XXXX  months and neither Experian or XXXX XXXX seems to care about the situation. Please help this is my first, only, and a false late payment which affects my credit greatly. 

Im unable to upload any files so i uploaded them to this XXXX XXXX that you can view with this link : 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 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Been disputing a particular account on my Equifax report since XXXX every 30-45 days for XXXX XXXX XXXX XXXX This account is being reported as an open account from XXXX. This is not my account nor do I have any car for this loan it is now XXXX and these people are inaccurately reporting information that I have tried to have deleted. Ive emailed XXXX XXXX and XXXX personally of Equifax even proof of me filing serval disputes. I also hired a law firm and they were able to even get a response from Equifax. This has cost me so much emotional and physical distress over the course of this year. Delete this inaccurate and incorrect information the company doesnt even exist! The number and address listed is non working. The place in XXXX GA is not there business as listed either I went there! I live in XXXX GA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
On or around XX/XX/2022 I applied for membership to Navy Federal Credit Union. On the very next day I received an email requesting verification with a link to submit the verifications. The link to submit did not work even days later and other computer systems later, so I called them and was informed of a new link. I submitted the verification documents as requested on the XXXX and I received an email of denial on XX/XX/XXXX and their explanation was that the denial was based on the information submitted. So I decided to be extremely thorough with my next application. Made sure everything was sufficient and triple checked for accuracy. I submitted my second application with them that same night. Figuring that a passport and insurance documents did not meet their standards I decided to submit my drivers license and registration. On XX/XX/2022 I received an email from their credit union stating that they had received my documents and once approved, I will be receiving my membership documents within 10 business days. I applied the first time and got a decision within the first week of applying so on XX/XX/2022 I contacted them to inquire about my application status and to verify if something else was needed to be submitted. I was informed by their representative that they had all the information they needed to complete my application process and that they will be emailing me within a couple days with next steps. By XX/XX/2022 I still had not received any communication from Navy Federal so I contacted them again to re-check my status and to make sure there was nothing more needed to make the process a success. I was informed again that they apologized, there was nothing more to send and I should be receiving an email with membership details within a day or two. On XX/XX/2022 today, I still have not received any information regarding my application so I contact Navy Federal again to find out my status. After being on hold for 20 minutes and leading me on for weeks they come back and tell me I was denied again. I asked to speak with someone to explain to me what could have possibly went wrong when I just was told in my prior conversation with them that everything regarding my application and applying was everything they needed to finalize my application process. Not only did they deny me but they refused to give me a reason or send me an email related to my application status. I am left under the impression that they have met their secret membership quota of my XXXX XXXXXXXX and that is the reason I was denied since their is no other explanation given. I reserve the right to know why I was denied especially since I made sure several times that the application was as accurate as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
They sold the debt to a collection company who used coercion tactics to get the debt owed.On a recorded line they agreed to do a pay to delete then once they got paid they said only Bank of America could delete the item 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 2022-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
On XX/XX/2022, I reported a mistake in my balance. XXXX employees have told me that hundreds of cardholders have had their cash advances doubled, mistakenly, on their balances. That is, they don't receive double the money, they're just charged double the amount that they received. I called again today and the employee acknowledged that there is no evidence that I received double the amount, but that they are still " working on the case. '' I disputed this with the credit bureaus and XXXX responded that the information that they reported is accurate. So, while they acknowledge on the phone to me that it's inaccurate and they're working on fixing it, they are reporting inaccurate information and defending it. 

This harms my credit and the credit of everyone else that is experiencing this. And it's still going on.

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 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX  has placed my mortgage account in credit as 1 month behind. 
My account in a COVUD-19 forbearance plan and I also requested to do a COVID-19 Loss Mitigation Program with XXXX XXXX. As of XX/XX/XXXX nothing has been process completed. But they forward my account to the Credit Bureau as being late with payments. This is the program I was told that my loan could be placed under. 
My loan is a VA Loan which I purchased my home in XXXX. Always on time until COVID-19 cause me to not have job. Please help COVID-19 Refund Modification is a consent from the VA for us to modify your guaranteed loan and the VA purchases a portion of your indebtedness from us. The indebtedness is then secured as a junior lien in favor of VA. VAs junior lien does not accrue interest ; does not require monthly payments ; and only becomes due when the property is sold, the guaranteed loan is paid off, or the guaranteed loan is refinanced, whichever occurs first. This option can allow for significant reductions in your monthly payments, increasing the likelihood that you will enjoy lasting homeownership. It is like the COVID-VAPCP in that VA can purchase indebtedness up to 30 percent of your unpaid principal balance ( UPB ) .The COVID-19 Refund Modification is not a stand-alone option. Instead, VA provides a partial loan refund alongside a the loan modification of the terms of your mortgage loan which targets a minimum payment reduction of 20 %; starting with deferring all arrearages, a potential term extension up to 120 months beyond original maturity date ; and potentially deferring more principal to allow for a payment reduction. You have missed at least one payment covered by a COVID-19 forbearance ; your guaranteed loan was current or less than 120 days past due as of XX/XX/XXXX, or the guaranteed loan was made on or after XX/XX/XXXX ; and you occupy, as your residence, the property securing the guaranteed loan.

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 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
n accordance with the Fair Credit Reporting Act XXXX Accounts names XXXX, EQUIFAX MORTGAGE SERVICE, XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
After carefully reviewing my Transunion credit report there were several unauthorized inquiries being reported. All inquiries took place on XX/XX/2022 and are listed as follows : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I have been working with Navient for over 15 years to get these loans lowered or paid off and all I get back is a refinance plan that would lower the rate by barely anything. I pay roughlt $ XXXX over a XXXX loan and it is tearing me apart. 
I thought I was in to get it forgiven, but that also has come back saying that I am not eligible and I am really wondering what can I do to get rid of this burden. Please help me. I am desperate now. 
Every chance I have tried to get it lowered or gone has failed and I really don't know what to do to help myself anymore over a loan that I have had since XXXX  Please, if there's anything that can be done to lower or get rid of this loan, I would be so grateful. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This company is charging lates fees and accessing them in the total balance due but not adding the amont applied to fees. They are continuelous adding to the late fess but never taking off payments. Instead, they are applying what they call " Extra amounts '' to the principal balance which is crazy. 

With each late payment the fee is 5 % of the total due which is anywhere from {$8.00} to {$12.00} that show on my account. When a payment is made, they are NOT covering the fees and instead adding to the balance and amount due, thus making you pay more in the end each month. 

I was behind one month on my payment but the late fees show {$240.00} which is not 5 %. 

They have basically never added any payment where they have listed late fees to the actual fee. I have attached a chat transcipt between one of their employees and myself where they could not tell me why the amounts paid are not covering whats listed on the bill in full. Also attached screenshots from the website that show late fees added and which months and where I have made payments where they were not covered which is why the late fee balance is so high. 

Magiclly i could not access my statements online but I have requested those from then as well. You can see from the chat transcript.

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 2022-08-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cheadle Law Firm
State: TN

Complaint narrative:
Attorney XXXX XXXX XXXX filed a lawsuit and obtained a judgment against me, and is requesting a garnishment on my pay for a debt that is past the statute of limitations. 

The loan date was XXXX, in the state of Tennessee statute of limitations is 6 years, I was served in XXXX XXXX which is exceeds the statute of limitations by almost 1 year ; with a court date that was past the statute. XXXX XXXX XXXX on the date of court and was unable to attend to argue my case, and now they have a judgment out for it. 

When I spoke with the representative with the attorney office and she stated the date of loan being XXXX I expressed this was all done after the statute of limitations and she stated oh well you can dispute it but the judge approved the judgment.

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 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I, XXXX XXXX, am a natural person, and American citizen. Experian continues to violate my federally protected consumer rights. I am sick and tired of their blatant disregard for the law. Do you need to start the motion for a CLASS ACTION LAW SUIT?? Because I am certain they violated the privacy & confidentiality rights to millions of others. I sent them a letter on XX/XX/22 explaining to them that they were deliberately violating my federally protected right to privacy AND confidentiality under 15 USC 1681. They responded with a generic letter completely ignoring their violations, stating " verified ''. I never asked for anything to be verified! I already know they can't verify these accounts, I was letting them know that are in direct violation of the FCRA. I feel like I am being taken advantage of and my rights are being ignored! THIS COMPANY NEEDS TO BE HELD ACCOUNTABLE! Delete these accounts immediately! I will attach the letter I sent, the tracking number, and their completely unethical response in a pathetic attempt that I will go away. I will NOT!

1. Account Name : XXXX XXXX  Account Number : 9793**** 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 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief