vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I have been a customer of 23 years with Bank of America ( XXXX credit card ), I never missed a payment and have not been late paying. My wife and I are old school, we get paper statements and send paper checks in to pay our bills. Sometime after making our payment in full for BOA statement for period ending XX/XX/year>2024 I was somehow switched to paperless billing.

We have a business that we run from our house and we receive a lot of mail and didn't notice that our BOA statements hadn't been sent until I had problems using my card ; when I called BOA to see what was wrong they informed me of the billing switch and that I had missed paying for 2 periods ( XXXX & XXXX ). To quickly get a payment out we shared a bank account number to pay at the time, and to have monthly minimum payments made to avoid this happening again.

Once we were paid in full and were switched back to paper billing I found out that my credit was lowered from {$17000.00} to {$500.00} and that my credit score went from XXXX to XXXX. I feel as though the switch to paperless billing was predatory in nature as you must answer a pop up every time you open the app declining paperless billing.

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 2024-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: NY

Complaint narrative:
This is a follow up from yesterdays complaint against Selene finance. XX/XX/XXXX XXXX at XXXX XXXX  both myself XXXX XXXX and XXXX XXXX called Selene to follow up about an email that was sent to show proof of funds. We spoke to a rep named XXXX and she said she didnt receive any bank statements. I told her that is a lie because the young lady we spoke to yesterday said she saw my email with the the bank statement for XXXX and XXXX and to send proof I paid for XXXX, which I sent for XXXX and XXXX, but XXXX the rep is now saying she doesnt see any email and to call back on Monday. 
Selene has made an error stating that I missed a month payment which is false. My bank account shows money was removed every month from them and funds were never returned. They have also sent a 60 and 30 day late notice on my credit report which I want removed. Everyday I speak to them I will come on here to have a paper trail on each phone call and recording on what they are doing, which is taking my mortgage payment. I have proof on my bank statement that no money was returned and all money was pulled out of my account from.PLease review XXXX  and reviews on Selene finance. They are taking peoples money and saying they never paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

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.

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 2024-08-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CA

Complaint narrative:
A purchase in the amount of {$320.00} was made at the XXXX XXXX on XX/XX/year>. 
I made a police report with my local police report number XXXX with XXXX XXXX Police Department . I also notified cashapp. I have a message that they are denying my claim for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: KS

Complaint narrative:
In XX/XX/XXXX, I terminated a lease with XXXX XXXX XXXX XXXX XXXX as part of a permanent XXXX XXXX XXXX  move with the XXXX XXXX. The property management company claimed that there was carpet damage over the amount of the deposit, reporting an additional {$1300.00}. I requested a line-item of the additional charges. When providing the line-item, the property management company ( XXXX XXXX XXXX XXXX XXXX ) identified that the amount was in error, and reduced the amount to {$710.00}. At some point, XXXX XXXX XXXX XXXX XXXX sent the outstanding debt to collections agency Hunter-Warfield in the amount of {$1300.00}. Hunter-Warfield ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX sent the first invoice on or about XXXX XXXX XXXX. I responded with information of the adjusted rate, as well as it was under dispute with the rental company on XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, responded on that same day, XXXX XXXX XXXX, stating that a validation of debt would be requested and a copy sent to me. This was never done. XXXX XXXX XXXX  claimed that they considered the matter closed since it was at collections now. Subsequent communications asked for the erroneous amount ( {$1300.00} ), or during the Holidays a " 20 % reduction rate '', to which I informed Hunter-Warfield I would only pay the corrected amount, and would not pay until they had formally reduced it as the amount owed in the statement. ON XXXX XX/XX/XXXX, I asked Hunter-Warfield for a status, and resent the same information regarding the reduction of the amount to {$710.00}. They stated that they would open an investigation into the matter. ON XXXX XX/XX/XXXX, I called their customer service line, requesting an update, to which they stated they were still investigating. I inquired about the original request ( validation of debt ) from XXXX, and they claimed to have no record of it, despite the email I received from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: IL

Complaint narrative:
After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, dates last reported are inaccurate and a constant reporting of collection every month is inaccurate and illegal? This is grounds for removal.

They also violated my rights under 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.

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 2024-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Ive been trying to have XXXX remove an account from my credit report because I believe it belongs to my ex-husband. Ive asked them for proof and all they send is a singular statement which doesnt show the information that was used to obtain the account or my signature proving Im the one that signed up for it. My ex-husband had access to all my information, And I am trying to get everything corrected

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 2024-08-23 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: EQUIFAX, INC.
State: IA

Complaint narrative:
Ive been trying to have XXXX remove an account from my credit report because I believe it belongs to my ex-husband. Ive asked them for proof and all they send is a singular statement which doesnt show the information that was used to obtain the account or my signature proving Im the one that signed up for it. My ex-husband had access to all my information, And I am trying to get everything corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Ive been trying to have XXXX remove an account from my credit report because I believe it belongs to my ex-husband. Ive asked them for proof and all they send is a singular statement which doesnt show the information that was used to obtain the account or my signature proving Im the one that signed up for it. My ex-husband had access to all my information, And I am trying to get everything corrected

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 2024-08-23 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: MS

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-08-23 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I recently submitted a complaint against Wells Fargo due to them falsely reporting information on my credit report, after asking for a debt verification no information that I asked for was received, the paperwork provided does not bare my legitimate signature, I have no recollection of this account. Despite my request for validation under the Fair Credit Reporting Act ( FCRA ), Wells Fargo Bank , N.A . ( WFBNA ) has failed to provide any response. According to 15 U.S.C. 1681s-2 ( b ) of the FCRA, Wells Fargo Bank , N.A . ( WFBNA ) is legally obligated to ensure the accuracy of the information they report to credit agencies. However, they continue to report inaccurate information, which is significantly impacting my credit rating. This disregard constitutes willful negligence under the law, and I am prepared to pursue legal action to address this matter.

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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have tried several times to get my address information updated. I received responses back stating all was updated. I even spoke to a representative who said she will get the files corrected. An address that they are using as a current address is not even an address that and I live dad. That is a business address! Therefore, correspondence that they are sending with my personal and confidential data is going to the wrong place and I have pointed that out several times. As of today, it is not correct.

Address is listed are not my addresses. They were probably XXXX  during work travel. The only addresses should be those that I have attached with a green checkmark. Those that need to be deleted have a red X.

They also have my names in the wrong spot. My current name should be under former name ; my former name should be listed under current name.

I have requested to have my phone number removed.

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 2024-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: OR

Complaint narrative:
On XX/XX/year>, I submitted an application to consolidate my federal student loans. Before this, I was on the SAVE plan since I am also qualified for PSLF through my employer. On XX/XX/year>, I also resubmitted a SAVE IDR application to make sure I stayed in the SAVE program after consolidation.

I have been placed on an administrative forbearance by MOHELA. They are actively charging me interest. They have stated my SAVE IDR application would not be backdated meaning I am responsible for the interest I have been charged while on administrative forbearance. Had they processed my application, then I would have been qualified for the SAVE
Administrative Forbearance. This whole process has made me regret ever consolidating.

On several conversations with MOHELA agents, I have been told that they didn't even receive my SAVE IDR application or that it doesn't count or that they did receive it but I would need to be held responsible for all interest accrued until they're able to process and would not be backdating to my SAVE IDR application date.

I have {$200.00} interest accrued on my subsidized consolidated loans and {$750.00} interest accrued on my unsubsidized consolidated loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: WI

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or 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 calls 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 2024-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I am a single mother of XXXX trying to purchase my first home I fell behind on my loan due to decrease in hours and pay during the pandemic. I have begged and pleaded with this company for late payment forgiveness for those late payments for the past two years. My account with this company is current and has been paid on time. I understand my responsibility but everyone I have spoken with will not allow me to speak with anyone that is willing to hear me out at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: AZ

Complaint narrative:
I was reviewing my credit report and noticed that some inquires on my account that i didn't authorize

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 2024-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an inaccurate balance that is being reported on my credit report by the following three companies : 1.HYUNDAI FINANCE XXXX XXXX XXXX XXXX Each of these companies is reporting that I owe a balance related to a repossession, which I believe is incorrect. I am requesting that these companies provide accurate reporting information, including a detailed validation of the debt in question, so that this matter can be resolved.

Specifically, I ask that the following actions be taken : Validation of Debt : Please instruct each of the above-listed companies to provide me with accurate and complete documentation that substantiates the amount they claim I owe.

Correction of Credit Report : Upon review and confirmation of any inaccuracies, I request that the account as a whole be promptly removed from my credit report.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it.

If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information, and I expect a thorough investigation into this matter.

Thank you for your prompt attention to this issue. I look forward to receiving confirmation that my request is being processed, as well as updates on the status of the investigation.

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