vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I received an email from Nelnet XXXX XXXX XXXX in XX/XX/XXXX stating that my ( variable ) interest rate was changing within the next XXXX billing cycles. This is the way in which my interest fluctuates due to my repayment plan. A few months later, my interest rate went from just under XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX. The fluctuation is due to what is going on with federal interest rates, which I understand. However, based on what I negotiated with the servicer ( Nelnet now Sloan Servicing ) I was supposed to receive a XXXX XXXX  reduction for XXXX  months of on-time payments. I was also to receive a XXXX XXXX reduction as an incentive for having my electronic payments automatically withdrawn. In the first call, the rep mentioned that all of the incentives had fallen off with the rate increase, but she could not tell me why. She agreed that the XXXX rate should be reflecting that XXXX XXXX incentive. After multiple inquiries, they did put the XXXX XXXX incentive back on, bringing my interest down to XXXX XXXX. XXXX representative told me that the reason the XXXX XXXX dropped off because I made a " late payment '' in XXXX. I requested a copy of my payment history from Nelnet, which they provided. Payment history provided by Nelnet to me is attached. Please note that the payment history begins in XXXX. Where is the documentation/proof indicating that I missed a payment in XXXX? Also, why is my incentive being revoked XXXX  years after the fact?! Something does NOT add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
Have requested before to stop calling & even to put me on the do not call list, and still get calls from time to time after letting them know they have the wrong number & person they're trying to get a hold of...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
This company is undeniably engaging in fraudulent practices. As of XX/XX/XXXX, all of my loans were XXXX, as clearly indicated in a previous complaint. According to the terms of discharge, all loans should reflect a XXXX balance and a XXXX status. Despite my efforts, evidenced by a complaint submitted in XXXX along with supporting documentation, which unequivocally proved the closure of all accounts, I was dismayed to discover upon logging into the portal that a balance is still being carried. Upon reaching out to XXXX XXXX XXXX, I was informed by a representative that indeed the loans were XXXX, and it was the servicer, Ed Financial, that altered the status to repayment and forbearance, possibly in an attempt to refute the previous complaint. To substantiate my claim, I obtained a summary of all loan activity from XXXX, clearly displaying the XXXX status of all accounts under " XXXX XXXX XXXX. '' I am now providing this evidence to demonstrate that these loans were unlawfully reinstated into repayment and forbearance post-discharge. Ed Financial is fully aware that XXXX loans are to be removed from credit reports, and any payments made subsequently must be reimbursed. Furthermore, it's pertinent to note that {$6000.00} was unlawfully deducted to apply to student loans when the accounts were in default back in XXXX. Consequently, all funds, including interest payments, must be promptly returned. XXXX action is imperative to remove these accounts from my credit report, and I demand reimbursement via a {$6000.00} check without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: NEW YORK COMMUNITY BANCORP INC
State: OR

Complaint narrative:
XXXX ) lost job and was put on a plan by Flagstar Morgage XX/XX/XXXX, and was told it would not effect my credit score, nor would it be reported. This was to be through XX/XX/XXXX. 
XXXX ) called multiple times between XXXX to make sure I was still ok with the plan, and to make sure I was good through XX/XX/XXXX. Was told it would not affect my credit and that I needed to fill out another application on line, was told another time that was wrong information and I didnt need to fill out another application, and to resume payment in XXXX. Was told again this wont affect my credit. 
XXXX ) made payment to Flagstar for Morgage through my bill pay to resume payment for XXXX, and check was returned by Flagstar. 
XXXX ) called Flagstar shortly after realizing check was returned and was told they cant accept payment now and that this indeed does affect credit and they are not sure why I was told that. Asked to speak to XXXX named XXXX and she said thats not correct and told me shes sending in for a rushed review to be evaluated for forbearance, and she took my XXXX payment. 
XXXX ) My credit score dropped XXXX points because Flagstar reported delinquency. 
XXXX ) XXXX called and spoke to XXXX and she was in communication with XXXX who me agreed it was an accidental report to credit on there end, and that it says in fine print for the duration of that time XXXX me being on a loss mitigation plan would not be reported to credit. I was told by XXXX that they are going to fight this and it was accident. I was told I would receive a letter in the mail stating this in case I needed for proof. Was told XXXX would give me a call back, never did I hear from her. 
XXXX ) I called multiple times for my point of contact during this process and never heard a thing XXXX ) XX/XX/XXXX was told by another XXXX XXXX that the credit report dispute was denied due to no payment in XXXX. My XXXX payment was denied.

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 2024-05-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have spoken to the BOA regulatory XXXX in relation to the instant complaint and requested they validate their claims leading to the REDUCTION in XXXX BOA credit card limits. Despite having requested same TWICE and now the THIRD time, BOA simply provides with a self drafted letter BUT NO EVIDENCE on ALLEGED : Too many inquiries in the last 12 months Serious delinquency Although BOA has provided it's own statements that confirm I HAVE NEVER BEEN LATE OR MISSED A PAYMENT ON EITHER ACCOUNT -- this helps cement my claim to RESTORE MY CREDIT LIMITS so I may operate my businesses without impedements.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found an unauthorized hard inquiry from XXXX XXXX on XX/XX/year>.

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 2024-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX I contacted via phone Merrill Edge at XXXX and spoke with representative XXXX XXXX of a discrepancy I noticed in my account activity. I believed there was approximately {$10000.00} missing in my latest transaction. XXXX investigated and found the culprit- {$10000.00} was withdrawn from my account balance to pay a margin fee. I was charged a {$1.00} American Depository Bank ( ADR ) fee in XX/XX/XXXX, which put my account balance in the negative and thus considered a margin balance. That {$1.00} ballooned to {$10000.00} in XXXX of XXXX! I was not aware of this fee at the time or any time in between then and today, XX/XX/XXXX and I asking for forgiveness out of the kindness of their hearts and hopefully a common sense approach. I requested to have this balance forgiven but was told by their representative, XXXX, there was nothing he could do. Despite a longstanding XXXX year relationship and have maintained a " preferred '' status due to my high account balance with Merrill Edge XXXX he informed me there wasn't anything he could do. I have now requested an in-person meeting with a Merrill Edge advisor and I will explain the situation to them soon as well. Between this, and filing a complaint with the Security Exchange Commission ( SEC ), I may also consult a lawyer to advise on my rights and options for recourse.

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 2024-05-14 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: GA

Complaint narrative:
Equifax is reporting a late payment for XXXX and XXXX showing as charged off. These accounts are fraudulent and need to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
My name is XXXX XXXX, and I first want to thank you for taking the time to read this complaint. Ive had a great experience with AFFIRM INC and my goal is to maintain the relationship weve built over the past year. I recently pulled my XXXX credit report and discovered I have a late payment that was reported in XX/XX/2022 for my AFFIRM INC Credit Card. During that time period, I had a XXXX XXXX  due to XXXX. I mailed AFFIRM INC several letters informing them of my financial hardship at the start of the Coronavirus pandemic. Unfortunately, the Coronavirus pandemic has brought unforeseen circumstances into my life. As a direct consequence of the pandemic, I lost my job, resulting in a sudden loss of income. The financial strain caused by this unexpected situation has made it increasingly difficult for me to meet my financial obligations, including making timely payments on my AFFIRM INC account. 

I would like to express my deepest sympathies for the lives lost and the hardships endured by individuals and communities worldwide due to this unprecedented health crisis. The Coronavirus pandemic has had a profound impact on all aspects of life, including the global economy and the livelihoods of countless individuals. I want to acknowledge the impact of the Coronavirus pandemic on individuals and families worldwide, including myself. Unfortunately, I lost my job due to the economic downturn caused by the pandemic. As a result, I faced significant financial challenges and was unable to meet my financial obligations, including my credit card payments. 

Congress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the Coronavirus pandemic and to provide relief to individuals affected by the Coronavirus pandemic. Under this legislation, there are provisions that protect consumers ' credit reporting during this challenging time. The CARES Act requires creditors to report accounts as current if the account was current before the consumer requested an accommodation, such as a forbearance or modified payment arrangement, due to Coronavirus hardships. This protection is crucial for individuals like me who have experienced financial difficulties beyond our control.

I am currently in the process of securing a mortgage, and my mortgage loan officer has advised me that removing these late payments from my credit profile would significantly enhance my creditworthiness and increase my chances of approval. For that reason, Im requesting an Accommodation under the Cares Act. I desperately need this mortgage and I would
be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit reporting agencies to update these late payments. 

Account Number : XXXX Late Payment Date : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On Tuesday, XX/XX/2024, I visited my local Chase branch to open a credit card. I told the representative, XXXX XXXX ( Assistant Vice President, per business card I was given ), I was deciding between two specific cards, Sapphire Preferred ( {$95.00} annual fee ) and XXXX XXXX ( {$550.00} annual fee ). After discussing, I decided on the Preferred which has a lower annual fee but offered a higher signup bonus for opening in-branch. When I got home and added the card to my XXXX XXXX I noticed I was given a XXXX rather than a XXXX, which meant Id have to pay a higher annual fee and lose out on the higher in-branch sign up bonus, which wasnt offered with the XXXX 
I called XXXX back who confirmed and apologized for the mistake and told me there was nothing she could do so she transferred me to her manager, XXXX XXXX. XXXX stated that they couldnt do anything in-branch as they dont deal with credit cards but there was an unnamed department who he would escalate to and they would call me. I asked for a contact number so I could be sure the person who ultimately reached out to me was truly affiliated with Chase but he claimed there was no number to provide. 
I then called the general Chase customer service department and was ultimately transferred to a representative named XXXX. XXXX claimed there was nothing neither she nor her manager could do but asked if the branch manager ( XXXX XXXX offered to waive my first years annual fee. I said that wasnt offered but when I relayed this to her manager, XXXX, XXXX stated that the branch manager had no such authority and was puzzled as to why her employee, XXXX, suggested that. Throughout the process, every representative mentioned that if I wanted the XXXX card at this stage, the only option for me was to close the XXXX card and reapply for the XXXX, resulting in another credit check. I also asked if rather than getting the XXXX card, I could have the first years annual fee waived or if I could have the higher in-branch signup bonus applied to the XXXX but no one confirmed if this was possible, saying it would have to get escalated to the Marketing department. I confirmed that I wanted the case escalated as quickly as possible and I was given a case number but told I would only receive an update via physical mail within 7-14 business days. 
At time of this complaint, I have yet to receive the electronic paperwork I filled out in the branch and am frankly puzzled that such a mistake could happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: Early Warning Services, LLC
State: NC

Complaint narrative:
I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have never opened or used the following account numbers : Bank : Bank XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation