vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
I have submitted my PSLF form multiple times in the last year and MOHELA fails to update my payment tracker. The payments from XXXX remain in an employment certification required status even though i have provided the PSLF form with a qualifying employer over and over again. They even updated dates after XX/XX/XXXX on the payment tracker but refuse to update the dates XXXX. I have been trying to fix this error since last year XX/XX/XXXX it's now XX/XX/XXXX. When i speak to them on the phone after spending hours on hold just to reach someone they state they will do a recount to fix the error and yet they only update new payments not the payments for XXXX  I have been at the same qualifying employer for the last 12 years working full time and i have 123 qualifying payments meaning i was due forgiveness at 120 but due to Mohela has not fixed this issue I've been stuck at 114 with 9 payments needing employment certification that i have already sent in multiple times, with an employer that has been approved. Not only are they failing to fix this mistake but it's preventing me from obtaining loan forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OZK
State: FL

Complaint narrative:
On the XX/XX/XXXX I opened a CD at the Bank OZK for {$5000.00}. It was for XXXX months expiring on XX/XX/XXXX. The account # was XXXX. The interest rate was XXXX XXXX. 

I never received a notice that the CD was expiring. Without my knowledge on permission the CD was rolled over to one with a interest of XXXX XXXX. What a rip off. Why didn't they roll it over to the current rate?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I looked at report back on XXXX XXXX, 2024, and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure 's to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These account ( XXXX ) are not complete and is not accurate. 

XXXX - XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 filing this complaint for falsely reporting misleading information. There is no 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 non-monetary relief
Consumer complaint received 2024-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
After staying at XXXX XXXX XXXX in XXXX in XXXX XXXX XXXX I was charged a bogus fee for smoking in the room for {$620.00}. I requested a chargeback on my Capital One Credit Card. I supplied lots of evidence of how and why I had not smoked in the room including proof I wasnt in the room at the time the alleged smoking occurred as well as pointing out inaccuracies in the log of my account from the hotel. This evidence clearly proves I was charged the fee without warrant. Capital One has decided that the fee is valid and has kept it on my account. They are refusing to assist me further. I am not responsible for smoking in the room and I will not be held accountable for something I did not do. The credit card company has failed to do its due diligence in investigating the situation and is therefore aiding the hotel in charging these bogus fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I tried to access to my online banking and the system gets crazy sending me the passcode, and on the second try the system said that my information in not recognized. 
I called customer service and they said they can not verify me ( didnt ask anything from my account or personal information ). 
Im not XXXX XXXX I live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I know my user ID and password so I just need to have unlocked.

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 2024-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage.

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 2024-03-18 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
I don't recall having a contractual relationship with this collection company CREDIT CORP SOLUTIONS. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: NJ

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-03-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-03-18 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: GA

Complaint narrative:
EQUIFAX XXXX XXXX XXXX XXXX GA XXXX I XXXX XXXX am submitting this complaint on my own behalf Re : Inaccurate Late Payments-Immediate action required I noticed that you're continuously reporting errors on my credit report, after my initial disputes indicating that I was late on the account noted below : XXXX XXXX  XXXX Please explain how you can report these negative marks when I was never late? I am demanding proof showing I was late.You never proved that I was late, Therefore you must update my credit report to reflect PAID AS AGREED/OK. 

Furthermore, I would like to remind you of two laws that indicate you can not report this type of information on my credit report.

Under 15 U, S, Code 1681b Permissible purposes of consumer reports indicates written permission must be given to report anything on my consumer reports. I NEVER GAVE YOU WRITTEN PERMISSION. No consent is fraud-therefore you can not legally report this alleged late payment to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error -The creditor 's mistake in not accurately showing a payment or credit that the consumer made on their account statement.

-A billing error under the Fair Credit Billing Act ( FCRA ) that is caused by a creditor 's computational or accounting mistake.

Under the Fair Credit Reporting Act ( FCRA ), creditors are required to provide consumers with at least 21 days ' notice before reporting a late payment. Since I did not receive this notice, I am demanding to see hard evidence from the creditor 's bank account that I did not make the required payment and that the late payment was in error. 
I request that the following items on my credit report be updated to reflect that they were paid as agreed. 
XXXX. This late payment status is irrelevant XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. This late payment status is irrelevant XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. This late payment status is irrelevant XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. This late payment status is irrelevant XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have these accounts on this letter updated immediately. If you do not comply, I will file a lawsuit in small claims court in my city and state seeking monetary damages for your violation of my rights. 

Sincerely, XXXX XXXX XXXX Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: EQUIFAX, INC.
State: TX

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. 





UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 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 2024-03-18 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: CA

Complaint narrative:
In XX/XX/XXXX Nelnet initiated and then cancelled a second payment to my student loan account, over and above the payment that I had already scheduled. Nelnet then marked my account delinquent, claiming that my loans were past due, even though I had paid the full amount due on time. When I called them, they claimed that my payment had been " misallocated. '' It took me three weeks, several hours on the phone with Nelnet, and a CFBP complaint to get them to " reallocate '' the payment, even thought he first rep I spoke to said it would take at most three days. My Statement from Nelnet dated XX/XX/XXXX shows all loans paid on time and a " current amount due '' of {$180.00}, due for payment on XX/XX/XXXX. I have already scheduled this payment, but nevertheless received notice from Nelnet on XX/XX/XXXX that my account is past due. Apparently Nelnet has once again arbitrarily " relocated '' or " misallocated '' my last payment, this time doing so after that had already issued my monthly statement reflecting that all loans were paid on time. The payment in question was for the full amount due, {$180.00}. It was made on XX/XX/XXXX. The statement, confirming a " Past Due Amount '' of {$0.00} was issued on XX/XX/XXXX ( see attached ). My account presently shows a past due balance of {$19.00}, even though my due date for this billing cycle is still three days away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Interest rate
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX I called the Wells Fargo Specialized Resolution phone number provided by the CFPB website ( XXXX ). I wanted to find out if any settlement compensation was scheduled to be paid regarding my mortgage. A XXXX answered the phone. I found him to be vague and not of any help. XXXX was unwilling to look up anything regarding my mortgage. He stated that I would be contacted within the next month if any compensation was being paid to me. I went on Wells Fargo website to see if I could obtain any information regarding my mortgage on XX/XX/XXXX. This website stated that it could not process my account information online and to call XXXX. Since I do not trust Wells Fargo I did not want to speak to them regarding my account. I had experienced rude and abrupt treatment from XXXX with no willingness to assist me. My home of almost 12 years was foreclosed upon on XX/XX/XXXX. The balance of the principal outstanding was {$160000.00} and the property sold for {$170000.00}. Wells Fargo failed to do a Loan Modification. Additionally, after my home was foreclosed upon, Wells Fargo called me and wanted to know where to send {$1300.00} ( a payment they failed to log ). Further review of my escrow account figures shows that interest being charged through the life of the loan was 7.5 %. The monthly mortgage statements show interest as 5.5 % ( which is what I thought my loan interest rate was ).

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 2024-03-18 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 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 2024-03-18 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/17 I received several hard inquiries on my credit report from unauthorized credit card companies

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