vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account Name XXXXXXXX XXXX Account Number XXXX Account Balance {$14000.00}. 15 USC & 1681n Civil liability for willful noncompliance, 15 USC & 1681o Civil liability for negligent noncompliance, 15 USC & 1681e Compliance procedures, In accordance with the Fair Credit Reporting Act, the list accounts has violated my federally protected consumer protection rights to my privacy and confidently under 15 USC 1681, 15 USC 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 168 SECTION 604 A. STATES A CONSUME REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 1681C ( A ) ( 5 ). STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. 15 USC 1681C ( A ) ( 5 ) ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIME WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 USC 1681S-2 ( A ) ( 1 ) PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAD 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 2024-01-05 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: PA

Complaint narrative:
Please remove all hard inquiries 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 2024-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: TX

Complaint narrative:
I received a promotion from Discover through email stating that my account was targeted for a promotion and that if I deposited {$25000.00} in new funds into my account by XX/XX/XXXX  and held them there through XX/XX/ that I would get a {$200.00} bonus on or before XX/XX/. 

On XX/XX/, I contacted Discover to verify that if I initiated a transfer that day I would qualify for the promotion and their representative said that I absolutely would get the bonus if I went through with the transfer. Knowing that, I went ahead and transferred {$25000.00} into my Discover account online through Discover 's website. 

I did not receive the bonus by XXXX, so I called Discover on XX/XX/. They initiated an internal dispute and then I received a letter dated XX/XX/ stating that I " did not meet the promotional criteria. '' It did not say why. 

I am very upset that Discover does not honor its own promotions, and that a representative told me my account was specifically targeted for this promotion. The only reason I transferred over {$25000.00} to Discover was to receive the promotion bonus. I was mislead and lied to! This was a bait & switch. I am very upset and I'm sure I'm not the only one. Financial institutions shouldn't be allowed to do this!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-05 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: VA

Complaint narrative:
I have made payments in excess of the statement amount due since XX/XX/XXXX. I called on XX/XX/XXXX and spoke to XXXX at Nelnet and she advised that she did ot know why my statement liste a past due amount and someone from their accounting ops department would review my account and I should call back in 2-3 weeks to see if it was resolved. I called on XX/XX/XXXX and soke to XXXX at XXXX at Nelnet . She advised that the statements I was being sent did NOT include any accrued interest that was owed prior to XX/XX/XXXX ( - {$240.00} ). So the statements I am receiving and have been paying in excess of do NOT show that an interest payment was still outstanding. It also does not show any fees associated with my loans. The rep advised there are no fees, but I can not confirm that since accrued interest and fees are NOT included on the statements that NELNET is sending out. This is a deceptive practice and they are sending people inaccurate statements that will automatically make them have late payments ( - {$64.00} ) and which can result in fees ( that they do NOT include on the statements ), as well as negatively impact credit scores and credit reporting information for myself and millions of Americans. I have called and they will not update their statements to show the accrued interest or fees associated with my student loans. Please have them update this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents.

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 2024-01-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
" I am writing to dispute the claim made by National Credit System asserting that I owe them a debt. To date, no proof of this alleged debt has been provided despite multiple requests. Furthermore, there was no initial debt with the original creditor. I request thorough verification and documentation of the debt in question. I expect all collection activities to cease until proper validation is provided. Your prompt attention to this matter is appreciated. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Examine the attached documents. I want the bureau to initiate an investigation on these accounts where I am never late, but they are incorrectly reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Kindly look at the attached documents. I ask the bureau to commence an investigation on these accounts where I am never late, but they erroneously report me as 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 non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
On XX/XX/XXXXXXXX  RightPath Servicing sent a response letter containing knowingly false statements. RightPath Servicing falsely claims that the proof of insurance provided by the borrower only covers the four walls of the unit and exterior fixtures. The servicer has received proof of ample coverage in the form of a side-by-side comparison image of the HOA master policy coverage and the HO6 insurance coverage purchased by the servicer. RightPath Servicing ridiculously claims " Everything inside is not covered by the association ''. This type of response is one of many ridiculous claims/statements made by RightPath Servicing , such as, " the verbiage betterments, improvements and walls-in '' are required terms that must be found in the HOA master insurance policy in order for the servicer to accept coverage. RightPath Servicing also stated, " sometimes HOA 's include HO6 insurance in the master policy '' but insinuated that the proof of insurance sent by the borrower did not have such HO6 coverage. It is abundantly clear that there is a serious lack of understanding of this issue within the employment of the servicer. RightPath Servicing has recently accepted proof of insurance coverage from the borrower in the form of the HOA master insurance policy, coverage for period XX/XX/XXXXXXXX  to XX/XX/XXXX. This policy, as required by the XXXX XXXX HOA Governing Documents, provides coverage for the entire unit including the interior. The master insurance policy provided by the borrower back in XXXX, XXXX and XXXX of XXXX  as proof of coverage, provides the same all inclusive coverage as the policy recently accepted by the servicer. The numerous and repeated false claims by the servicer, RightPath Servicing, are new offenses each time a new false claim is made or the false claim continues to be made after proof of the falseness of their claim has been provided. Each time a knowingly false claim is made, a separate offense has been committed. In order to overcome the claim by the borrower that the claim made by the servicer is false, RightPath Servicing must respond with the requested documents proving the validity of their claim or position. The recent document provided by RightPath Servicing, a letter from XXXX XXXX XXXX to the borrower, stating the HO6 insurance purchased by the servicer has been canceled due to the proof of insurance provided by the borrower, is only proof of the borrower 's current position.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Imperial Recovery Consultants, LLC
State: OR

Complaint narrative:
I was called by XXXX XXXX XXXX and told I was going to be charged with writing a bad check from 2013, because I provided my bank information on a payday loan and never paid it. I have no recollection of this. I paid all my loans and nothing is showing on my credit report. I ended up paying XXXX. After looking into the company, I believe I was scammed. I called their customer service number at XXXX and it didnt go through. I spoke to XXXX XXXX, at least thats what she told me.

Company response to consumer: Untimely response
Consumer complaint received 2024-01-05 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XXXX Bank provided me the merchant proof of their response, which did NOT support my {$500.00} charge in XXXX with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX are NOT the same company but clearly, they are working together behind the scenes concocting against me. I signed a contract with XXXX XXXXXXXX XXXX company in XXXX with alleged lawyer XXXX XXXX who was supposed to help me win money back from a previous company I worked with earlier in the year ( XXXX XXXX  ). Again, they reached out to me and offered these " fake '' services. When they ( XXXX XXXX XXXX ) charged my card for lawyer representation and to obtain services ( as outlined in the contract ) I did not expect the charge to read " XXXX XXXX XXXX '' and this seems to be where the confusion lies and they have pulled the wool over your eyes. When I learned that this company was illegitimate, I requested my refund, as per contract. But the proof that was provided has tricked the bank because they have provided some artwork and proof but the fallacy in this is that THIS IS NOT THE SAME COMPANY... AND THE DATES, NAMES, AND COMPANIES DO NOT MATCH. AGAIN, I met XXXX XXXX XXXX XXXX in XX/XX/XXXX. Artwork or not, WHY WOULD XXXXXXXX XXXX ACCEPT ANY ALLEGED PROOF THAT IS 1. BACKDATED TO XX/XX/ ( I NEVER HEARD OF XXXX XXXX XXXX AT THIS TIME AND HAD NO RELATION ), 2. THE EMAILS HAVE NAMES XXXX AND XXXX ENDING IN XXXX XXXX XXXX  NOT " XXXX XXXX' ... ..AGAIN, THESE ARE NOT THE SAME COMPANIES. Although they appear to be working together and against me at this point. XXXXXXXX XXXX appears to as corrupt as these two previous companies if they are actually " investigating '' and failed to acknowledge these key details. Again, the contract from XXXX XXXX XXXX was signed in XX/XX/XXXX XXXX  and the details are NOT about XXXX.. but instead LAWYER REPRESENTATION TO help me get my money back from previous book company ( which happened to be XXXX XXXX  ). Now I am led to believe that XXXX XXXX XXXX is working in corruption with XXXX XXXX XXXX separate bookwriting company that ripped me off in thousands earlier this year ) and XXXX XXXX  ( who is overlooking key facts and details in this case that DOES NOT SUPPORT {$500.00} charge in XX/XX/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 explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I kindly request you to see the attached documents. I want the bureau to commence an investigation into these accounts, as I have never been late, despite erroneous reports.

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 2024-01-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/, my car was broken into and they stole my wallet with all my credit cards ( including macy 's ) and identification. Please refer to the police report : XXXX. 

Since my identification was stolen with my credit cards, they thief walked into Macys and purchased {$800.00} of stuff without my permission, which is still showing on my credit report. 

I tried to work with Macy 's by providing the police report information to them and they still kept the charges on my account and credit. I disputed this charge with XXXX 3 times and same results. Therefore, I contacted XXXX prepaid legal as this is a case of stolen identity in which I am being held legally responsible for, which is incorrect and needs to be rectify immediately. This charge is damaging my credit report and opportunities to use credit. Since Macy 's didn't believe me and continued to keep the charge on my account, I requested the credit card be closed immediately. 

I refuse to do business with any company that holds you responsible for something you didn't do. It's not good business by far. 

Identification theft is a nightmare and when you have companies like Macys who only care about the money not the customer. I prefer not to spend a XXXX investing in there company.

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 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please refer to the attached documents. I request the bureau to initiate an investigation into these accounts where I have never been late, yet they are being reported as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is a " statement '' that is listed on my EQUIFAX credit report, which I did in error. The statement was supposed to be information listed for disputing an inaccurate item on my credit report. I called and spoke to EQUIFAX directly to remove this STATEMENT verifying my identity and everything. EQUIFAX said they would remove this statement and still have not. This affects my credit because when creditors pull my credit report, they can see this, and they think that my credit has been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIRST COMMUNITY MORTGAGE, INC.
State: FL

Complaint narrative:
I closed on my loan and the payment amount for my first payment was significantly off. I'd tried to fix it with the company but it took too long and my payment was delayed as First Community Mortgage made a couple of the adjustments. It took SEVERAL calls from me as the consumer to get this correct probably resulting in about 10-20 hours worth of effort to get everything squared away and accurate. None of the time was reimbursed and again - I was at risk for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
This is to call the attention of concerned that there has been an improper use of my credit report which has result to someone unauthorized inquiries on my report, I will like this error addressed in a timely manner.I do not authorize nor benefit from any of the following inquiries, reporting irregularities is a violation to my consumer rights kindly remove all 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 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

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 2024-01-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NY

Complaint narrative:
My payments have been reversed on the following dates, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They've only accepted my payments three times on the following dates, XX/XX/XXXX XXXX XXXX 

I emailed them but received no response and their call center is impossible to navigate. It seems this is a common problem with others who use Ed-financial, where their payments are being reversed without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: NV

Complaint narrative:
I have sent letters and disputed this account multiple times. They came back as " verified '' without any proof. I have received a letter from XXXX XXXX stating there is errors and the account must be removed. This is the final attempt before my lawyers will be involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: NV

Complaint narrative:
I have sent letters and disputed this account multiple times. They came back as " verified '' without any proof. I have received a letter from XXXX XXXX stating there is errors and the account must be removed. This is the final attempt before my lawyers will be involved.

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