vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc.
State: PA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : name : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX Collection/Charge Off XXXX XXXX XXXX XX/XX/XXXX {$9500.00} XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX A XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XXXX A XXXX XX/XX/XXXX {$8200.00} XXXX XXXX XX/XX/XXXX {$8200.00} - Duplicate Copy XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XX/XX/XXXX {$5700.00} Credit Inquiries XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Netspend Corporation
State: IN

Complaint narrative:
NetSpend uses an offshore customer service, yet their web site says they have customer service techs in the United States. The of shore techs say they can not connect you with a United States tech. On or about XX/XX/year>, I went to a Netspend vendor to withdraw funds to pay my bills. ( rent, phone ect ) I found out I had been locked out of my account. After numerous attempts to correct the problem, the Net Spend customer service required me to send them numerous pages of documentation to prove who I am. yet because the address does not match what they have on file, an address change I have not been able to do because I am locked out of the account. I have sent the following documentation. XXXX XXXX  XXXX ID with current address, expired XXXX  XXXX ID with old address. Copy of Social Security card. ( They say has to have current address attached to SS card. XXXX card. Copy of XXXX document cover sheet for application for food stamps. Date stamped by XXXX XXXX 2024. Benefit Verification Letter from Social Security Administration showing current address, DOB, and XXXX number. dated XXXX XXXX ( today ) I received this message shortly after submitting the SS letter to them stating that the benefit letter from social security ( current address ) does not match the address they have on file. I am about to be XXXX, and they keep changing positions on the documentation needed. I have no other information to send unless they want my birth records.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Since XX/XX/XXXX I am unable to log into my account at ChaseXXXX although I have been using it for several years now without any problems. 
The logs in are rejected and requiring additional security confirmation however the codes sent to me by Chase ( XX/XX/XXXX XXXX and XX/XX/XXXX XXXX ) and are not recognized by the bank own security system and the message after input in red comes out : We can't find a one-time code for your account. Call us to continue. 

The calls are then routed to the customer service based in XXXX where the CSRs instead of addressing the issue give hypothesis why the account is no longer able to be accessed The opinions varied from either having a bad password ( it worked in the past 12 months or invalid device ( the same pc used in the past 12 months ). 
The XXXX based customer service is clueless and is unable to provide any service that results in ability to log into my account. Yesterday one code was sent to me manually by one US based representative leading me to the conclusion that the bank 's automated system codes are defective and unusable. 
To what I gathered the Chase updated its new security system requirements and apparently it has gone live without many issues not being worked out and they are now using customers as testing material regardless of the time and effort it takes. Today I have had one US based CSR hanging up on me stating that " my unprofessional demeanor invalidates my PRIVILEGE to obtain a customer service from him. '' This was regarding the CSR inability to point out the problem and just trouble shoot which doesn't fix the problem. 

In short Chase prevents me from making a payment to my credit card outstanding balance and constant issues regarding inability to log in are resulting in a defacto harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
XXXX failed to credit account for returned merchandise delivered incorrectly. I was forced to purchase the correct item anew and return the incorrect item for credit, which I did. Here are the dates : XXXX Ordered BLUE paint and paid extra for delivery with XXXX- {$180.00}. 
XXXX WHITE paint delivered by mistake, XXXX told me to re-order BLUE paint and return WHITE for credit. 
XXXX Ordered BLUE paint, paying a second time to have it re-delivered- {$170.00} plus delivery charges. 
XXXX XXXX incorrectly-delivered WHITE paint, but no credit issued. 
XXXX Disputed charge with BECU Bank ( XXXX ) and provisional credit applied to account - {$180.00}. 
XXXX Provisional credit removed from account and re-charged the original amount- {$180.00}. 
XXXX Called BECU " XXXX '' to ask why it was denied and to reopen the dispute. 
XXXX Received request from BECU for documentation to verify overcharge. 
XXXX Called BECU " XXXX '' to ask for steps to resolve issue as quickly as possible, was told that it was XXXX who determined the denial. 
XXXX Filed complaint with CFPB and XX/XX/XXXX as discussed with BECU.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: MOHELA
State: FL

Complaint narrative:
I am a XX/XX/XXXX, working for theXX/XX/XXXX since XXXX. I have substantially completed my obligations under the PSLF program. The servicer, MOHELA, however, began to offer an amazing new plan that would save lots of money! Called the SAVE plan. This is a plan I did not want, did not need, and had no idea even existed until MOHELA started to advertise it. After what felt like 8 short weeks on this plan, the rug was completely pulled out from under my feet when I was told the SAVE plan was no longer available due to ongoing litigation. This effectively ended my ability to make payments on my obligation to date. Ive applied multiple times for an income based plan as far back as XX/XX/XXXX. There has to date been no progress on this request that has been outstanding for months. I called today and MOHELAs agent flat out told me that I was misinformed. Efforts to even log into MOHELA or the student aid website to check the status of my account or my numerous requests leads to only error messages and frustration. 

I have NEVER had a debt owed that the note holder refused to let me pay. It is absurd. If the fact is that they do not want to allow payments to be made that would qualify for PSLF, then affectively- they have breached the agreement. I want them to either reinstate the IBR plan I was already on that they essentially bait-and-switched me out of ( with full credit toward PSLF ) or to have my account closed as satisfied under PSLF since the contract has been substantially completed, and MOHELA is actively in breach due to their refusal to process paperwork related to the plan. The ongoing litigation they continue to cite as a reason is regarding SAVE, not PSLF or IBR. Further, every time I call MOHELA, the hold time is nearly insurmountable. 

This issue is not only causing substantial lost income opportunities, but significant emotional harm and, as you could guess, a windfall to the public agency who continues to benefit from my work far beyond the agreement that was made. 

Please help free me from this indentured servitude. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: NBT BANCORP INC.
State: NY

Complaint narrative:
We took out a XXXX  from NBT Bank XXXX XXXX NY in XXXX. The XXXX  was a variable rate loan at the time. In XXXX of XXXX, we paid a fee to lock in the rate. I saw on our bank statement at the time that the bank took the money from our account to pay fee. At the time, it was 3.5 % fixed. I am not a savvy person ; I expected the bank to do their job. I recently noticed that we are paying a variable rate of 8.5 %. I contacted NBT Bank to see what happened. They said that they don't have record of the fixed rate being locked in, but they can see where they took the money for the processing fee to lock in the rate. I've tried to work with them to resolve the problem, but they are saying that they will not go back to that rate of 3.5 % because that is not the current rate. Even though they can see where they took the money required to lock in the fixed rate in XXXX of XXXX. I've asked if there is something we can do to fix the problem, but they just keep saying there is nothing they can do. 

This obviously, this all happened at the height of XXXX. We were not allowed to go to the bank. So, everything was done by email and fax with the bank. We have emails correspondence between us and the bank in XXXX of XXXX where we were receiving documents from XXXX. The final documents were sent to XXXX via Fax. 

I feel if they lost the documents or didn't fill them correctly, that is not my fault. 

All I want is to have the money refunded to me that I was over charged in interest and the rate locked in at 3.5 % as this is what we paid for in XXXX of 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 monetary relief
Consumer complaint received 2024-11-15 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 U.S.C 1681 ( e ) ( b ). And according to 15 U.S.C 1681 i5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate base on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to a 15 U.S.C I have 1681 s-2 they are suppose to 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 inaccurate Experian Information Solutions Inc . 

XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS

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 2024-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
I haven't supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I presumethat no proof of the allege debt, nor therefore any XXXX such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: AK

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 explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of 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 non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of 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 2024-11-15 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: EQUIFAX, INC.
State: TX

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. I told XXXX, XXXX y equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: EQUIFAX, INC.
State: TX

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. I told XXXX, XXXX y equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am reaching out to bring to your attention an error in the reporting of this account on my credit report. The balance and charge-off information are inaccurate, as the account was resolved some time ago. I kindly request that you investigate this discrepancy and take the necessary steps to correct my credit report by removing this inaccurate entry. Thank you for your prompt attention to this matter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation