vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/19, i received a notification from my credit company that someone has been using my card and we canceled the charge as fraud. When the representative asked for my address to ship the new cards to, the address I gave was different from the one in the file. Someone had changed the address on my acc and has received my new credit card. Now everyone connected to that card has had their address changed on each of our credit reports. This has been brought up with the postal service because the culprit had filed a " Change of Address '' form and forwarded all my mail to the culprit 's address.

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 2023-04-11 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
A Capital One XXXX XXXX was opened up in my name on XX/XX/XXXX. The card was applied for in store and XXXX purchases were made on the day of opening the card, totaling {$1900.00}, but prior to me receiving the actual card. I received the card in the mail and did not authorize it. I filed a fraud claim with Capital One on XX/XX/XXXX, after I received the card and realized there had been fraud. I also received a XXXX card and a XXXX XXXX card on XX/XX/XXXX and XXXX. Both XXXX and XXXX have deemed their cards as fraud and closed the accounts. 

I filed a police report and have documentation of that. 

On XX/XX/XXXX I received a letter from Capital One stating that I am responsible for the purchases. I called and refiled the case. I received another letter on XX/XX/XXXX stating that they finished their investigation and I am responsible. I called the Fraud Department to reopen the case and they told me no. They said the application was signed by me but they wont show me the signature. They have my correct address but not my correct phone number. They said the phone number was associated with me, based on their research, but I don't have that phone number. They also said a call was made to them on XX/XX/XXXX at XXXX XXXX. They won't compare signatures and i was not in the city where the card was opened up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MA

Complaint narrative:
Hello, I hope you are doing well today! 

I am writing because I am struggling to get any information from MOHELA about my attempt to enter the PSLF program. Under the extension which allowed PSLF applications last year, I put in a request to enter the program and have my service at several universities credited toward the length of service for loan forgiveness. This was some time in the Fall of last year, prior to the XXXX deadline. 

I eventually got a confirmation that my materials were received on XX/XX/XXXX. I was told at that time that I could expect more information within 90 days. 

Unfortunately, they have not been forthcoming with any information. At the beginning of XX/XX/XXXX, I had tried accessing their online system repeatedly, to no avail. I then tried to get the information over the phone and found myself faced with a frustrating automated system, which almost seemed to be engineered for the purpose of dissuading an individual from utilizing it. No matter the information I entered or words I said, I would get put into a loop where the system wanted to know what i was looking for, and then asked for identifying info- Which was unrecognized in each and every instance. Finally, after about 15 minutes of struggling with this automated system ( and attempting to trigger a transfer by using words such as " Agent, '' " Human, '' and " Representative '' ), I was connected with someone. 

While the woman I spoke to was incredibly kind, it seemed that she did not have access to much information, or at the very least, was unwilling to divulge any to me. After providing her with my information she was able to find my request, and informed me that it was being held up for review. Upon asking what the review was for, she refused to provide any information. I asked how long I could expect this to take, and was told I should hear back within a couple of weeks. It has now been over a month and I have not heard from MOHELA. Their phone system remains a kafkaesque nightmare. I was apprehensive about even wasting my time on the PSLF, knowing that previous administrations defrauded those who applied through the program, and I am now wondering if I have wasted my time for nothing. I would be immensely appreciative of anything the CFPB could do to compel Mohela to at least give me some information on what is happening.

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 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
1. Never received first bill from Target.They are now trying to charge a late fee while i never received first bill AND they have messed up my account so i can not login to pay them with my same email ( seen here ) 2. Tried to cancel another store card with them which they refuse to cancel. still shows active in portal etc despite them saying its cancelled. Need this fully cancelled and need this done so i can use this account with my email for the new care ( see part 1 ). Semi related to above due to old card messing up the portal and keeping me from paying. 


Had one of their collectors call me the other day which is when i realized payment was even late. I knew i had one due and was hoping would fix these issues before then but now I need late payment removed and this fixed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11 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: FL

Complaint narrative:
Equifax is using inaccurate information and reporting illegal items to my credit report. 

YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATE ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Paid in full in XX/XX/XXXX, and XXXX XXXX has been reporting since that I have a high balance of {$490.00} on the card every month to TransUnion and XXXX. This is not correct, and is lowering my credit score by almost one hundred points. They refuse to take any action via phone, leaving only the option to send a letter, which I have done as of XX/XX/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 2023-04-11 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: CO

Complaint narrative:
Paid in full in XX/XX/XXXX, and XXXX XXXX has been reporting since that I have a high balance of {$490.00} on the card every month to XXXX and Equifax. This is not correct, and is lowering my credit score by almost one hundred points. They refuse to take any action via phone, leaving only the option to send a letter, which I have done as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Please refer to prior complain which has the following resolution. Please expedite this complaint. 

XXXX. Documents available. 

Company 's Response We appreciate you taking the time to tell us about our service. Your feedback helps us serve you better. We aim to give exceptional service and are sorry if we did not meet this goal. We received your altered check claim for {$4200.00}. We received a completed affidavit, but the required documentation was not completed correctly and the claim was closed. We received the completed required documentation from you on XX/XX/2023, and we reopened the claim. On XX/XX/XXXX, we sent the altered check claim to the bank of first deposit ( BOFD ), Bank of America. This type of claim can take 90 to 120 business days from date of first contact or more as we are dependent on the BOFD to do their research and give us the funds to reimburse the account or documents stating that they did negotiate the check properly. At this time, all major banks are delayed in responding to these cases so it is possible it may take longer than anticipated to receive a response on this matter. Your claim is still under review and we will contact you when the claim decision has been finalized. We respectfully decline your request for a refund. The funds are only returned if we recover them from the BOFD. You also have the option to resolve this matter outside of XXXX. We apologize for the inconvenience this matter has caused you.

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 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I applied a Capital One credit card around XX/XX/XXXX and got approval instantly. Once I set up the app I noticed the {$95.00} annual fee was posted on the 2nd day. Then I realized that the card was suspended and was told that I need to submit additional documents for manual review. I did and after numerous following up I found out in XXXX weeks the account was already closed by a mail dated XX/XX/28. I tried to dispute the decision but they insisted the decision was irreversible. I accepted it although I have every reason to believe it was an unfair treatment and can support with solid document evidence, as I realized how frustrating it was to deal with a company with no customer service at all. 

The problem is the {$95.00} fee was still there, for an account stayed active for only ONE DAY! I contacted them and was told it would be credit back on next statement date. However, instead of reversing/crediting back the annual fee, it started accumulating interest. That totally leaves me speechless. I called again last night and after being transferred many times, a lady claimed to be the highest rank for phone communication section told me it was not reversible and they could do nothing about it. You may choose your customer, but it is not making any sense to charge an annual fee for an new account only existed for one day and closed by the creditor using unsupported reason!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: MO

Complaint narrative:
This was a joint account with my husband. This collection was removed from all 3 of my husbands credit reports because it was fraud but it still remains attached to me. On XX/XX/XXXX, I contacted IQ Data International via email per companys request and to verify this debit. I never heard back from them. I constantly called to ask the status of the verification and I was constantly told it hasnt been checked yet. I still received calls about this debt that I do not owe. On XX/XX/XXXX, I disputed this account with XXXX and XXXX. XXXX had no knowledge of the debt and XXXX deleted it due to it being investigated and its not my debt. For whatever reason, XXXX has come back verified. I also received a letter from IQ Data telling me that why will not investigate this anymore because its verified as my debt but they have yet to send me any proof that its mines. Ive been fighting this debt long enough and I need this deleted from my XXXX report as it is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached an FTC report with 2 collections and fraudulent inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
I originated my XXXX with XXXX XXXX with no restrictions or requirements regarding the use of an XXXX account. I did choose to use XXXX when we closed in XXXX XXXX XXXX but i would not like to manage my home owners insurance and property tax payments my self. 

XXXX XXXX purchased the mortgage and is no permitting me to cancel the escrow because of their policy of VA loans being in escrow for the first 24 months. This is a requirement that was not part of my closing documents and i never agreed to it. 

I have called XXXX XXXX XXXX different times on this issue and been on hold for well over an hour waiting for responses when I have called. The first call the hold was so long I had to hang up, the second, I was on the phone for nearly XXXX hours and was first offered to have the limit changed to 1 year but declined. I have a high yield savings account that I will be using as my own escrow and want to start depositing right away. XXXX minutes later I was told they would send me documents to sign to cancel the escrow. 

2 days later I got a letter in the mail stating that my request was denied, I called back to ask what happened and they just said its not their policy to allow that an did not even check to see if there were notes regarding the last conversation I had. 

They are trying to impose a policy that changes closed contract for mortgage between my self and XXXX united that they purchased and I believe can not be enforced. I have expressed the same to XXXX XXXX in each of my calls and they agreed once but have since reneged. 

The exact wording from my closing documents regarding keeping my escrow account states : " For now, your loan will have an escrow account ( also called an impound or trust account ) to pay the property costs listed below. Without an escrow account, you would pay them directly, possibly in XXXX or XXXX large payments a year. Your lender may be liable for penalties and interest for failing to make a payment.

In the future, Your property costs may change and, as a result, your escrow payment may change. You may be able to cancel your escrow account, but if you do, you must pay your property costs directly. If you fail to pay your property taxes, your state or local government may ( 1 ) impose fines and penalties or ( 2 ) place a tax lien on this property. If you fail to pay any of your property costs, your lender may ( 1 ) add the amounts to your loan balance, ( 2 ) add an escrow account to your loan, or ( XXXX ) require you to pay for property insurance that the lender buys on your behalf, which likely would cost more and provide fewer benefits than what you could buy on your own. '' The page of my closing documents this is from is attached to this complaint. 

My taxes are paid, and I have just paid my home owners insurance in full when switching to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: 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 XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or 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 2023-04-11 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: 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 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 explanation
Consumer complaint received 2023-04-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ON XX/XX/XXXX, I PAID THE FULL BALANCE OF {$180.00} ON MY XXXX CREDIT CARD. I DID NOT HAVE A BALANCE DUE. ON XX/XX/XXXX THERE WAS A SERVICE FEE OF {$3.00} OF WHICH I WAS NOT MADE AWARE OF. I HAD A XXXX BALANCE SO I DID NOT GO BACK INTO MY XXXX ACCOUNT. I DID NOT GET AN EMAIL OR LETTER STATING THAT I HAD A PAYMENT DUE OR ANY OTHER NOTIFICATION. IN XXXX SO I DID NOT MAKE THE PAYMENT ON THE DUE DATE IN XX/XX/XXXX. I GOT CHARGED LATE FEES AND IT WAS PLACE ON MY CREDIT REPORT AS A LATE PAYMENT. I CALLED XXXX AND THEY REMOVED THE LATE FEES BUT STATED I HAD TO PAY THE SERVICE FEE OF {$3.00} WHICH I DID. THIS 30 DAY LATE PAYMENT HAS BEEN PUT ON MY CREDIT REPORT EVEN THOUGH I HAVE NOT HAD ONE LATE PAYMENT IN YEARS. THEY THEN DROPPED MY AVAILABLE BALANCE FROM {$3500.00} TO {$100.00} WHICH ALSO AFFECTS MY CREDIT. 
I AM REQUESTING THE LATE PAYMENT OF {$3.00} IS REMOVED FROM MY CREDIT REPORT AND MY CREDIT LIMIT BE RAISED BACK TO {$3500.00}. THIS HAS AFFECTED MY OVERALL CREDIT REPORT SCORE. I HAVE WORKED REALLY HARD TO PAY MY BILLS ON TIME AND I NOW HAVE A MARK ON IT FOR {$3.00} WHICH IF FIND RIDICULIOUS! WHAT AM I PAYING A SERVICE FEE FOR. I HAD A XXXX BALANCE!!

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 2023-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JTM Capital Management, LLC
State: AZ

Complaint narrative:
Upon checking my credit report, I noticed XXXX XXXX XXXX XXXX XXXX XXXX reporting my account as not paid and even sent it to collections. I paid this card off back in XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an FTC report with fraudulent inquiries please delete

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