vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: SC

Complaint narrative:
Subject : Urgent : Request for Correction of Credit Report - Compliance with Federal and UCC Laws Dear Upstart Network Inc., I trust this communication finds you well. I am writing to express profound concerns about potential violations of both federal and Uniform Commercial Code ( UCC ) laws related to my investment with Upstart. 

As an investor, I provided Upstart with an asset-backed security, aligning with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681s-2. Upstart, as a furnisher of information, is required to provide accurate information to credit reporting agencies. The absence of a system to verify billing statements with investors, as outlined in 15 U.S.C. 1666 ( b ), raises significant questions about the permissible purpose for reporting such information without explicit written consent or a court order.

In addition to federal law, I want to emphasize UCC Article 9 - Secured Transactions ( 9-609 ). This section mandates that a secured party must conduct enforcement in a commercially reasonable manner. Given the discrepancies in my billing statements, it appears there might be a violation of UCC Article 9 ( 9-609 ) guidelines.

Moreover, UCC Article 9 ( 9-625 ) underscores the duty of a secured party to conduct a comprehensive investigation when an investor disputes the accuracy of information related to their account. To address concerns of security fraud, I insist on a thorough investigation into my account, including a XXXX audit. 

In the event of a XXXX audit, the auditor will have the capability to retrieve the CUSIP number associated with my security. This auditor will be able to scrutinize the financial details, including how much money Upstart has generated from my security and its current valuation.

Failure to promptly rectify these issues may result in further legal actions, including the involvement of the Internal Revenue Service ( IRS ) to ensure compliance with tax regulations. My primary objective is to resolve these matters amicably, and I firmly believe that a comprehensive and timely correction of my credit report is in the best interest of both parties. 

I kindly request the immediate correction of my credit report to accurately reflect a " paid as agreed, never late '' payment history, aligning with both federal laws, particularly the FCRA, and UCC Article 9 ( 9-609, 9-625 ) requirements. 

I trust that Upstart will take immediate, comprehensive steps to address these concerns to avoid further legal actions and to maintain the integrity of our business relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I realized that I needed the due date for my student loan payments to align more efficiently with my monthly paycheck date. The same day, I submitted a request to Aidvantage to update my due date to the XXXX of every month. The same day, I received an automated response stating the loan servicer was experiencing higher than normal volume and that they would be happy to honor your due date change request, provided that your account is current and the payment due date you're requesting is on the XXXX through the XXXX day of the month. This automated response also stated the new payment due date may not take effect until your next monthly billing statement and you may need to make a payment based on your current due date before the new date becomes effective On the date of the request, XX/XX/XXXX, I had made all payments in full and on time. I had even paid more than the amount due on multiple occasions in an effort to reduce my principal amounts. XXXX response is unclear and inefficient. First, they say they will honor the request, but then say the request XXXX not take effect until the next pay period. Is this an acceptance of my offer for new payment terms or not? Regardless, I was unable to make the payment due on XX/XX/XXXX. As a result, the portal stated that my payment was overdue/late. This is concerning as it could impact my credit score by being reflected as a late payment. On XX/XX/XXXX, I made the outstanding payment. On XX/XX/XXXX, I resubmitted the request to change my due date to the XXXX of each month, but received the same automated response. It is now XX/XX/XXXX and aidvantage is still demanding i make payments on the XXXX. This is not feasible for me and could have severe ramifications on my credit score. As a first generation student with a recently deceased father and a chronically ill mother who never owned their own home, I recognize the importance of a good credit score. I am attempting to set mutually beneficial terms with Aidvantage for the repayment of my loans, even if it means I die in debt. However, their lackluster customer service and inability to fully process simple, basic claims puts me, my family and my future plans at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: UT

Complaint narrative:
1. On XX/XX/XXXX Valon Mortage acquired my loan. When it came time to pay my property taxes they contacted the county of Utahs tax assessors office. 

2. The tax office informed them that I did not owe any taxes due to the fact that I was under a veteran tax abatement program. It wasnt until XX/XX/XXXX that I directly contacted Valon and they responded by stating that I did not owe any taxes. 

3. So between XX/XX/XXXX, and XX/XX/XXXX they failed to communicate this issue. The Lack of communication meant that I continued to pay each month the additional {$300.00} dollars towards my escrow account. 

4. With a high balance in my escrow account I decided to fire Valon from holding my escrow account. So on XX/XX/XXXX, I completed the necessary form in order to stop this action. 

5. On the XXXX of XXXX they still did process the action of reimbursement. So I spoke to XXXX, she was a customer service college from Valon. 

6. My only request was for them to expedite the process of reimbursing me. She then contacted XXXX the manager of the escrow department. XXXX reply was no. My reply to XXXX was to stop the auto-pay. She then proceeded and stopped the auto-pay. 

7. So on XXXX XXXX I contacted Valon again, and asked if the payment could be expedited? The person responded by stating that it will take an additional 14 days for processing it and sending it through a non traceable means. ( Snail-mail ). 

8. I then replied by stating that this was unacceptable and suggested that they send the check via XXXX XXXXXXXX or USPS priority air. 

9. I have not received a new reply from Valon on expediting the escrow payment. I am not going to accept their policies on standard processing times. This is my money and I deserve better.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Wells Fargo never verified the debt they had on my name and was it actually me. They never produced the requested info in a timely manner and the debt is considered to be void as they were in dishonor. 
Wells Fargo shared private consumer info with a XXXX party debt collector without prior written or verbal consent per USC 15 sec 6802. That information includes false and misleading statements USC 15 sec 1692e. 
They supplied Name, Address, account numbers and financial information all are {$1000.00} fines. 
XXXX XXXX XXXX XXXX has used all that information without confirming it and without my consent. They have no contract with Wells Fargo giving them my consent and they have no consent from the consumer.

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 2024-01-31 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: NY

Complaint narrative:
I reviewed my consumer reports and noticed that i had one late payment on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that i have included screenshot inside this complaint in on dates of XXXXPlease investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I reached out to Coinbase ( via case # XXXX ) to complain of several phishing attempts from unrecognized individuals on my account. And I was advised to change my password. I changed the password and setup 2-factor authentication through phone ( via text to XXXX only ). So, each time I logged into my account, I got a token via text message that I had to input before proceeding with the login. 

Early XXXX, because I had lost over half of my funds due to the volatility of the cryptocurrencies, I converted my remaining balance into dollar ( about {$4700.00} ) and left it in the account pending my next decision on what to do with it. 

In XXXX of XXXX, I logged into Coinbase and noticed that my funds were converted into bitcoin in XXXX and immediately transferred out. I reached out to Coinbase ( case # XXXX ) to complain that my funds had disappeared from my account. The initial response was that my funds were still in my account and I was advised to change my password. The case got closed. On XX/XX/XXXX, XXXX XXXX at Coinbase sent XXXX XXXX into my account for whatever reason. This did not account for my lost funds. 

On XX/XX/XXXX, I reached out to Coinbase again Case # XXXX and the response I received is this : " As per checking in our resources, we can confirm that there is no XX/XX/XXXX withdrawal on your Coinbase Pro account. '' The case ultimately got closed. 

I reached out to Coinbase on XX/XX/XXXX ( Case # XXXX ) to request for my funds and I was told that after investigation, someone accessed my account via two factor authentication sent to my email address. I never used email 2-factor authentication to access my coinbase account. All attempts to get my funds back from Coinbase has proved futile. I have sent another complaint to Conbaise via their online file and I never got a response back The disappearance of my funds is a result of their carelessness and poor protection of customers account. Coinbase needs to refund my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Application # XXXX On XX/XX/XXXX, I was having issues getting my information to process on the website, but it eventually went through. I submitted an application for a pre-qualified amount of {$5000.00}. I called and inquired about this before I applied. I was told as long as the information was the same on my report from the pre-qualify soft pull, when the hard pull is performed that I would most likely be approved. I was denied and I was told by a representative over the phone that it was because of my current credit utilization. I was also told that I had a late payment in the last two years but the reason for the denial was the utilization. Most of my cards had a low or no balance. I feel that the pre-qualification tool was misleading because I know that it uses XXXX and that is the same bureau that was used for the hard inquiry. Nothing on my profile was different or had changed. I later checked again and the pre-qualification offer was still there. In the past, there had been times when I had no offers, so I believed this one to be accurate. I believe the application date was XX/XX/XXXX. I received notices in my online messaging, but am unable to open them. I receive a " technical difficulties '' message. I am still awaiting the decision in writing. 

On a separate occasion, on XX/XX/year>, I received an offer asking me to apply for the XXXX XXXX card. It was supposed to be a soft inquiry. I proceeded to check for an offer. The website said pre-qualify with no impact to your credit. After submitting some information, I was prompted to log into apply since I am a member and I proceeded to do so. I submitted the pre-qualification application and I was charged an inquiry on my XXXX report. I do not know the having to sign in redirected me to a different page, but there was no notice on the page that I was going through a different application process or that be subject to a hard inquiry. If so, I would have proceeded because at the time, I was not confident in applying which is why I chose to check for the pre-qualification. 

When I learned of the inquiry, I contact customer support. I spoke to a representative by the name of XXXX. He advised me that this was an error and he would be submitted. request to the credit department to have the inquiry reviewed and removed. I only noticed it had not been removed when the incident above occurred andI checked my report again. I mentioned it to the agent I spoke with recently about my most recent application and she advised me that she did see the call and gave XXXXXXXX XXXX name.

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 2024-01-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I was traveling from XXXX back to the US on XX/XX/17. We went to a gas station to top off the rental car tank. No one spoke English well. The attendant at the gas station told my partner his card wouldn't work, so we used my card. He later found a charge for the same amount. Fortuantely for HIM, HIS bank reversed the charges. Unfortunately Bank Of America is a bunch of crooks. If I paid {$1500.00} in US dollars for gas, I want the gas I purchased that I OBVIOUSLY did not receive. The only other time I used the card was at a XXXX kiosk in the airport. Unless two slices now cost {$1500.00} US dollars, I was ripped off. 

BANK OF AMERICA IS STEALING FROM ME AND I CAN NOT AFFORD THIS. I AM NOT RESPONSIBLE AND SOMEONE HAS BENEFITTED BY STEALING FROM ME.

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 2024-01-31 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: KY

Complaint narrative:
The reporting agency did not follow the rules to remove adverse information due to XXXX XXXX from my report. Although I provided all the required documents. Additional documents were requested because they said my self attestation letter that was provided as the determination could not be verified although it contains the signature of an approved agencies case worker. The rules state that A consumer reporting agency must block adverse information within four business days of receiving a consumers submission.

1022.142 ( e ) ( 1 ) Notification to consumer and attempt to resolve deficiencies A consumer reporting agency must notify the consumer within five business days of receiving a consumers submission if additional information is necessary to complete the submission or if any of the required documentation is missing.

Consumer reporting agency requests regarding additional or missing information are limited to situations where : the consumer reporting agency can not reasonably confirm the consumers ( or consumer representatives ) appropriate proof of identity ; the consumer did not provide a victim determination ; or the consumer reporting agency can not properly identify the adverse items of information.

A consumer reporting agency does not have discretion to challenge a consumers determination that an adverse item information resulted from a severe form of XXXX  in persons or XXXX XXXX under the Rule.

Final determination and authority to decline or rescind a block A consumer reporting agency must make a final determination on the consumers request within 25 business days of receiving a consumers submission.

A final determination under the Rule is either to initiate or maintain the block of adverse information initially placed or decline and rescind a block.

A consumer reporting agency may only decline and rescind a block after notifying the consumer or the consumers representative using the method of contact specified by the consumer and attempting to resolve any deficiencies in the consumers submission. A consumer reporting agency may only decline and rescind a block where : the consumer reporting agency can not reasonably confirm the consumers ( or consumer representatives ) appropriate proof of identity ; the consumer did not provide a victim determination ; or the consumer reporting agency can not properly identify the adverse items of information.

A consumer reporting agency may not make a determination based on the validity of the facts or circumstances in the consumers XXXX documentation submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I Joined XXXX XXXX Military XX/XX/2003 and am still XXXX XXXXXXXX XXXX Military I am a Louisiana Resident and maintain residency there while serving XXXX XXXX. I believe my Account number is XXXX. I have been charged over the amount of interest that is allowed by the Louisiana XXXX. I would like that interest paid over the interest limit refunded to me. XXXX XXXX XXXX XXXX I will submit my Leave and Earning Statement for verification that I am paying Louisiana State Taxes as well as my Military Orders for service verification if you need any other documents please reach out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: TX

Complaint narrative:
I hope this message reaches you in excellent physical condition. 
I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement. 
It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error-therefore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Advantage LNS Inc.
State: MD

Complaint narrative:
I have a charge on my credit report from a XXXX XXXX that was reported in XX/XX/2019 for the amount of {$2500.00}. The debt does not belong to me. The social security number on the profile doesnt match my official social security number.

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 2024-01-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX has sent XXXX different collections accounts to my credit report for the same amount of {$1300.00}. This has happened XXXX different times already and I have disputed the debt with the credit bureaus. I tried calling XXXX XXXX XXXX  and they were unable to provide additional information since I am not the account owner. This happened XXXX different times already. My current phone number is ( XXXX ) XXXX. Please update your records accordingly.

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