vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is Citibank / Best Buy credit card I signed up in XX/XX/2023 for a special payment plan where you wont be charged no late fee no interest so my payment was XXXX paid on time every month XXXX XXXX # XXXX and she assured as long as your payment made on time there will not be a negative report! XX/XX/XXXX my pay was due XXXX I called and spoke to XXXX XXXXXXXX and stated as long as you pay by the XXXX of each month youre good! XXXX I received a dig in my credit saying thirty day late and immediately called and spoke with XXXX # XXXX Manager he stated the reason why this occurs when the month is a shorter month which is XXXX and it will report late will especially if thats your cut off date for statements to close I do my best to have this removed from if you look I never been late with this XXXX since I signed upon this plan now they wont accommodate there mistake

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
Hunter Warfield, Inc is attempting to collect on debt that is not owed. XXXX in XXXX XXXX claims that I overstayed my lease by not returning the keys on time. I vacated the unit on XX/XX/XXXX, and our lease ended on XX/XX/XXXX. On XX/XX/XXXX, we left the mailbox keys, unit keys, and XXXX fobs inside the unit because we had not received any specific move out instructions from the leasing office. 

XXXX in XXXX XXXX withheld the alleged debt amount from my security deposit that was returned, and it did not affirmatively respond to any communication to recover these funds. Since XXXX in XXXX XXXX was unresponsive, I disputed the amount with my credit card issuer, XXXX XXXX XXXX  ( XXXX ). XXXX in XXXX XXXX could not substantiate this alleged debt, so XXXX ruled in my favor. See attachment XXXX dispute update.pdf. XXXX explains that for its dispute process from a merchant perspective, If you submit proper documentation and successfully challenge the dispute in the necessary timeframe, the disputed funds will be returned to you. ( See attachment XXXX dispute process.pdf. ) XXXX in XXXX XXXX was unable to submit proper documentation for this dispute, so they lost the dispute. In retaliation, they sent this amount to Hunter Warfield. 

In previous complaint XXXX, Hunter Warfield promised to cease contact but did not promise to delete this debt. XXXX in XXXX XXXX was unable to substantiate this debt to a neutral third party, XXXX, and I have provided attachments to that effect. 

Please immediately delete this erroneous debt and continue to cease contact. Any collection activity is illegal. Selling or continuing to hold the debt, which you now know to be illegitimate, is illegal. Reporting it to the any Credit Reporting Agency is illegal. Cease all collection activity, and ensure you do not sell it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Deposited two mortgage payments to my mortgage company that were lost. Bank states they were delivered and mortgage company claims not to have received payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-05 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: TX

Complaint narrative:
I recently review a copy of my credit report and noticed fraudulent activity on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
XX/XX/XXXX loan modification was not an affordable resolution for mortgagor ( XXXX XXXX XXXX ) whom passed away XX/XX/XXXX. I XXXX XXXX successor person of interest became aware of such modification, son in-law of mortgagor. Their is no Legal Law how many times loan can be modify to an affordable modification. Fay Servicing , LLC offered in XXXX the possibility this loan could be modify ; change of terms, lower interest, extend terms, defer unpaid principal balance to the end of loan. Unfortunate Fay Servicing and their Investor XXXX XXXX XXXX XXXX ( Investor of Loan ) deceitful, misrepresentation, unfair business practice, patterns of Mortgage Fraud, force me into Bankruptcy XXXX with the risk of foreclosure. Since the disaster of XXXX & its Variants XXXX up to current date, Fay Servicing and XXXX continue with the Loss Mitigation frivolous up to current dates, with multiple complete applications, multiple denials, violations with all Federal and State Law. Hundreds of thousands of my hard earn income have not been applied directly to the mortgage payments, XXXX XXXX Attorney fees, foreclosure fees, late fees, hidden fees, excessive fees is most of the mortgage payment applied to, cost me an Financial Hardship and the above mentioned disasters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I got this CareCredit at the dentists office about 2 years ago ( XXXX ). At the time I talked to a rep over the phone. From what I understand, I just need to make the monthly payment, I would pay it off in 2 years. Now it turned out that the monthly payments dont add up to the total ( {$5000.00} ). I didnt do the math myself. I trusted the rep. I feel I was tricked into taking the loan. This is misleading and deceptive. 

I got emails every month that tells me how much to pay ( a different amount every month ), so I paid that amount. The " current statement '' link in the email just takes me to a page that displays the same content as in the email. I thought that was the statement. It never gives any reminder or warning or any indication that its near the end of 2 years. All of a sudden, I got charged this high interest ( {$3000.00} plus ). 

on XX/XX/XXXX talked to a rep on the phone, she indicates that the terms are in the statement ( I thought the email was equivalent to the statement ). but the statement is not obviously available. The " current statement '' link in the email just takes you to a page that displays the same content as in the email. it takes several clicks and then an error page. I never got any paper statements.

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 2024-03-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 if 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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX : Old and incorrect addresses XXXX XXXX XXXX. XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Employer incorrect - XXXX XXXX XXXX XXXX XXXX  Correct Employer - Employed by XXXX XXXX XXXX, XXXX : XXXX and incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Correct Employer - XXXX by XXXX XXXX XXXX Trans Union : Old and XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX Incorrect Employer - XXXX XXXX, XXXX XXXX XXXX Correct Employer - Employed by XXXX XXXX Consulting Personal Statement - Old from XXXX  needs to be removed FOR THE PAST SEVERAL MONTHS I TRIED TO REFINANCE MY PROPERTY ON XXXX XXXX XXXX AND I HAVE NOT BEE

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 2024-03-05 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: GA

Complaint narrative:
XXXX : Old and incorrect addresses XXXX XXXX XXXX. XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Employer incorrect - XXXX XXXX XXXX XXXX XXXX  Correct Employer - Employed by XXXX XXXX XXXX, Equifax : Old and incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Correct Employer - XXXX by XXXX XXXX XXXX XXXX XXXX : Old and XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX Incorrect Employer - XXXX XXXX, XXXX XXXX XXXX Correct Employer - Employed by XXXX XXXX Consulting Personal Statement - Old from 2004 needs to be removed FOR THE PAST SEVERAL MONTHS I TRIED TO REFINANCE MY PROPERTY ON XXXX XXXX XXXX AND I HAVE NOT BEE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: IL

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-05 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:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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:
Debt Collectors must notify me within 5 days of receiving the account on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-05 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: IA

Complaint narrative:
I applied for the SAVE repayment plan. For some reason it was only applied to 2 of my 17 loans. I called to get an explanation of why it was not applied to all of my loans ( they are all the same XXXX federal loans ) they told me that it should have been applied to all the loans and to just reapply for the SAVE plan again. So I reapplied and received notification it was denied. I reapplied again and received notification it was cancelled. I called Mohela again and asked why the SAVE plan wasn't being applied to all my loans and again they said it should be and they reapplied for me over the phone and now I am receiving notification that the new application that they did for me is a duplicate. So the SAVE plan is still NOT being applied to all my loans and there is no explanation for why and my monthly payment for the other loans is put on a LEVEL plan that I did not sign up for and can not afford. I can not get an answer from anyone at Mohela about why not all my loans are going towards the SAVE plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: CA

Complaint narrative:
on XXXX XX/XX/2023 started communicating with XXXX to reserve two tickets one for myself and one for my brother. the final communication was to charge each one of us on our credit card. but first, he charged both of us on my Capital One account which he later charged to my XXXX account and my brother paid on his XXXX account separately. On XX/XX/XXXX he sent me an email with an attachment of the ticket that was charged and did contact Capital One at first thought it was a fraud but later found out it was the agent 's fault for charging two different flights. I did not use the XXXX XXXX  as it shows a show for the flight I have been submitting and communicating with XXXX, Capital One, and the vendor. Capital One said they couldn't credit my account and they did not provide me with any reason. they said is past 60 days. all I need is to credit the charges which I have not used. according to their contract, they will be credited back for faulty charges up to. {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
Chex Systems has blocked me from opening new accounts. When I go to the Chex systems website I have found errors and wrong information linked to my account that do not belong to me such as emails and phone numbers. Which bar me from loggin in and getting my username. I have taken screen shots to show and share with my complaint and investigation.

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