vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I had been diagnosed with XXXX XXXX in XXXX. I was receiving treatment and paying my bills as they would come. I fell behind on the larger bills that were a product of XXXX, Procedures .... etc. I began to receive phone calls from the same number every day for a couple of months. They would leave a message each time stating their name and that they work for PMS Progressive Management systems Collection agency XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I was not aware of any outstanding debt that was actually sent to a debt collector. I finally called them about 2 months ago to figure out what was going on after my credit report had been hit two separate times for unpaid medical bills. I was confronted with a zero-tolerance attitude towards working with me and possibly settling the debt with a lower number. I simply can not afford to pay the full balance at once or over time with my current auto-pay for my other XXXX bills. PMS told me they are not allowed to settle and threatened to continue hurting my credit unless the balance was paid in full. I requested a document to be mailed that explained in an itemized list what I owed in full due to the balance changing every time I called. The document that eventually showed up was a spreadsheet with random numbers on it that did not match up to what XXXX XXXX had sent with my remaining balances. I just recently received an additional letter from XXXX XXXX. XXXX XXXX XXXX of PMS that stated " It is necessary that you immediately send payment in full or contact me at once to conclude this long-overdue account '' The format once again for this letter was suspiciously formatted and had a threatening tone. This situation has caused me great stress and trauma and I am seeking mental health treatment as we speak. This company has repeatedly taken a threatening tone with me never truly explaining to me through an itemized receipt what is actually owed. XXXX XXXX was completely out of line to send this last letter and I feel like I am being bullied/backed into a corner with no way of continuing my XXXX treatment and paying this company so they can make a profit from my XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has had my business account under XXXX XXXX frozen for over 4 months. The bank hasn't sent a single correspondence explaining why the account was frozen or provided a resolution to resolve the issue. Instead, they have told the account is under investigation, in closing procedure and there's nothing I can do about it. This is unacceptable. There is a significant amount of money in that account and this is affecting my family 's and my own livelihood. I am desperate and lost. I need your help to pressure Bank of America to communicate with me and to let me know what they need to complete the investigation and release my money. I did not commit any crime and I've been treated as such by this institution.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dear Sir/Madam, I am asking for your assistance on this matter. I've been sending letters to Experian since XXXX and I have received their correspondence at all. I want this account to be REMOVED on my credit report as I have no knowledge about it. I didn't remember having this in the past. I wish they would listen to me this time.

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 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc.
State: OH

Complaint narrative:
I applied for this card with Prosper ( ending XXXX ) in XXXX of XXXX. The annual fee was waived for one year, I used this card for one charge in XXXX of XXXX. The card required autopay which I setup at the time of application. I never used the card after. On XX/XX/XXXX I called to cancel the account since I acquired a card at a much more favorable interest rate. Fast forward to XXXX of XXXX, I see the account has a balance of {$39.00}. I immediately contacted Prosper to inquire why there was a balance and open. I was advised the waiver request would be submitted and the account would be closed as it hadnt been previously. I was advised the account was closed and a request to waive was submitted. Today, XX/XX/XXXX, I contacted for a status since I have not heard anything. I am advised no waiver was submitted and that likely it would not be, quoting terms and conditions. I have been nice to this point as long as its waivedand closed its not a big deal, now Im being told I may be responsible for the fee as a result of the account not being closed in XXXX when I requested it. 
I am looking for the CFPB to intervene on my behalf. I believe something unfair and deceptive is going on. I suspect there are other complaints similar to mine with other former cardholders. Please investigate!

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
All three credit bureaus XXXX XXXX XXXX XXXX are showing my Student loans with balances in which my loans has been paid in full. This adverse information is harming my credit report with this inaccurate information reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-11-02 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: IN

Complaint narrative:
You say that you have reinvestigated these accounts but you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 


XXXX  XXXX Late Payment {$0.00} EXTRA Late Payment {$0.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Collection {$860.00} XXXX XXXX XXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: IN

Complaint narrative:
You say that you have reinvestigated these accounts but you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 


XXXX  XXXX Late Payment {$0.00} EXTRA Late Payment {$0.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Collection {$860.00} XXXX XXXX XXXX {$10000.00}

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 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I submitted an application for a credit card with my bank user on XX/XX/2023 and was denied. I called into the bank to ask why I was denied because of lack of income, which goes against the equal credit opportunity act. I also left a phone message about the denial and violation, and was met with a reply that enforces there are no errors in their decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: CA

Complaint narrative:
My XXXX XXXX XXXXeport says I have a balance to pay of XXXX XXXX I NEVER OPENED A ACCOUNT AT THIS BANK. I have tried a few times to work this out and there is no way to fix it apparently? I dont even know what this XXXX $ is apparently for but its ridiculous that Im on the hook for it.

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 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
In XXXX of 2023 I called the credit card company to inquire about any fees I would incur should I use my credit card during my upcoming trip to the XXXX. I was informed by the agent on the phone that I would not be charged any extra fees if I used my credit card internationally. Because of this information, I decided to use this card for all expenses on my trip to the XXXX in XX/XX/2023. When I received my bill, I was charged foreign currency fees in the amount of {$76.00}. I called the company several times to discuss my concerns, let them know that I was told by the agent in XXXX I would not incur any charges, and I attempted to come to a resolution. I was told to send a message to the credit card company outlining my dispute. In this message ( and during several phone calls after ) I requested a review of the conversation that took place between me and the agent in XXXX. 

I called today in an attempt to access these messages in order to support my complaint here, but was told by a representative in the dispute area that these messages couldn't be retrieved. The written correspondence between me and the credit card company has " disappeared ''. 

I paid the entire balance ( {$2600.00} ) of my legitimate charges in full and on time in XXXX. I did not pay the foreign fees, since I was told directly by the credit card company prior to the purchases that I would not incur any additional fees and I filed a dispute. 

Up until today, as far as I knew, based on the messages that I sent, a dispute was in process. 

When I called today to retrieve the written correspondence the agent said there was no dispute and I need to pay the current amount, {$190.00}. This amount includes interest and several late fees on the wrongful charge of {$76.00} back in XXXX. I again requested to have my phone conversation reviewed, but he said it " most likely wouldn't matter '' if he did that. 

In addition to the wrongful charges of {$76.00} in XXXX, I have now been charged an additional {$120.00} in interest and late fees on the wrongful charge. Also, my credit score dropped XXXX points as a result of the credit card company reporting on this issue. 

Today I offered to pay the initial charge of {$76.00} if the credit card company was willing to remove the late fees and interest charges and withdraw their report that took my XXXX score down XXXX points. They were unwilling to come to this compromise, which I believe was generous considering the initial charge was one I was directly told by the agent who works for the credit card company that I would not incur. 

I look forward to some resolution on this situation. The credit card company has been unreasonable and unprofessional.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting inaccurate addresses on my credit report. I have notified them of the mistakes but nothing has been done. There is a thin line between a mistake and fraud therefore if Experian continues to report inaccurate addresses it would be an act that is intentionally carried out to benefit certain individuals or groups causing detrimental effects to my credit worthiness.

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 2023-11-02 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: MECHANICS BANK
State: TX

Complaint narrative:
This account was charged off {$4.00}, XXXX and written off. {$4.00}, XXXX. This company is illegally reporting this account on my credit profile according to XXXX USC 1681s-2 ( a ) ( 1 ) ( a ) The IRS defines a charge off as gross or ordinary income. Income does not get reported on a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: VA

Complaint narrative:
I am in the process of applying for a mortgage. The Equifax, XXXX and XXXX reportedmy mortgage inquiries assepartae inquiries. I submitted the mortgagerequeststo obtain the best rate all within a 45 day period. The credit bureaus arereoprtingthem as separate inquiries. I am allowed to shop for the best rate within a 45 day perod to reflect as XXXX hard inquiry. The credit bureaurs arereporting the mortgage inquires as seprate requests which have resulted in my credit score being lowered by almost XXXX points. I want the credit bureaus to accurately reflect that my mortgage application inquiries should be reflected as XXXX inquiry in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: SD

Complaint narrative:
I have had nothing but trouble since having MOHELA as my loan servicer. I applied for PSLF in XX/XX/XXXX. My employer was never certified, and to this day no payment counts have been updated. I attempted to discuss these issues many times with MOHELA and was always given the same response to " just be patient and not worry. '' Well, a year later nothing has been updated and nothing has changed. I have since left my employment with XXXX XXXX to care for my children, however, I should have a year 's worth of service calculated. I do not. MOHELA failed to correct these problems, gave poor advice, and did not care that I was trying to find a way to pay off my student loans. 

My current student loan balance is exceptional. It is {$380000.00}. I am enrolled in an income-driven repayment plan which makes my payments {$0.00} due to family size. Clearly, I am never going to pay this loan off in my lifetime, however, I am unable to file bankruptcy or find another way to lessen the burden. The loan will haunt me forever. I have worked so incredibly hard to rebuild my life from a very low place 10 years ago, and I continue to hit brick walls set up by the system. There is no relief, there is no future. I have XXXX children. I have thought about ending my life many times simply to be free from this debt, but my children keep me alive, and I am blessed that they are in my life. 

The income driven repayment plan is helpful, making the payment {$0.00} a month. Even with current credit, however, I can not get a loan because of the amount of debt I carry. It is a pointless consolation for people in my situation. 

This brings me to the most recent error on MOHELA 's part. My statement on XX/XX/XXXX had my payment amount at {$0.00}. The statement on XX/XX/XXXX has my payment listed as {$4200.00}. I have read other people saying they had been approved for a {$0.00} repayment amount and got a bill for {$300.00}. Try getting one for over {$4000.00}. It is insulting, it is unethical, and I am tired of trying to get answers from this loan servicer. I am tired of fighting a losing battle against an opponent so large it can not lose. I simply want to be free from my debt and no longer have to endure the anguish of trying to make this right.

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 2023-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent in ftc report, incarceration report to transunion. They then said they verified a debt that they couldnt have verified because i did not open this account. i then asked them how did they verify and they ignored my request. i gave them 30 days to respond and they ignored the ftc laws that says that they have to provide me with the method of verification which is a live human. They also are violating metro 2 Compliance as the reporting is not the same across the board, as experian and XXXX have removed the following account : Account name : Account number : Account Amount ; i have attached my experian report when that account was reporting and i also attached my experian report once it was removed. 

I have also attached my FTC Report I have also attached my incarceration report that shows i was incarcerated when this account was opened.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I discovered an incorrect address, on my credit report that does not belong to me. Despite my continuous efforts, including multiple phone calls over a period of XXXX months, and speaking with different agents, the company informed me that they couldn't remove the address because it's linked to an account. I want to emphasize that I have never lived at that address, and the account associated with it is not mine. To address this issue, I began sending dispute letters for the accounts that do not belong to me. In my attempts to resolve this matter, I have also attached my identification documents, clearly indicating my correct address, in an effort to provide the necessary information for verification purposes. Despite these efforts, the incorrect address continues to be associated with my credit report, causing ongoing issues. I have taken these actions to rectify the situation, but unfortunately, the problem persists, and I have not received any resolution from the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Receivables Network
State: TX

Complaint narrative:
Sage capital recovery, contact me XX/XX/23 trying to collect a debt I do not owe. My personal information was misused / identity theft and I am unaware of this debt.

Company response to consumer: Closed with explanation