vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I never gave any written consent to any reporting agencys to report anything NEGATIVE on MY behalf on MY consumers 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 2023-03-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient, Formerly Sallie Mae, has continuously been an incredible source of frustration for myself and other borrowers.

My complaint is this : When an " overpayment '' is made, the loan interest rate rises.

The associates I speak to have stated categorically that overpayment does not affect interest rates, and yet, when I view the Prime Interest Rate trend history, the rises in my Navient loan interest rates do not match. In other words, I am being punished for overpaying which was not in my MPN.

Additionally, I have on multiple occasions email the company requesting a copy of my ORIGINAL Master Promissory Note and the have outright ignored my requests, simply choosing not to respond. I utilized their emailing system for these requests.

Furthermore, multiple times I have submitted ALL required paperwork to release my cosigner and again I have been completely ignored.

When I call, the customer service representatives act as if they are ignorant of the way they could view the submitted material.

Navient has been sued in recent years for it's predatory tactics and lending practices and I am a victim of this, though I have been paying faithfully for 15 yrs I am still treated like trash from this institution.

In Summary : 1 ) Loan interest rates rise dramatically when any overpayment is applied - this is not associated with Prime Rate trends 2 ) Company feigns ignorance of my multiple request for original MPN ( under Sallie Mae ) 3 ) Company feigns ignorance of my submittal of all required materials for releasing co-signer 4 ) Company overall is predatory in its tactics and mistreats its clients because, basically, it knows it can because no one stands up to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
GOODWILL LETTER XXXX XXXX Account Number : XX/XX/XXXXXXXX To Whom It May Concern : XXXX XXXX  Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains [ a late payment/payments ] reported on XXXX months includes XXXX. XXXX XXXX, XXXX, XXXX, and XXXX. XXXX XXXX, XXXX, XXXX. for my One Main Financial account. 

I want you to know that I understand my financial obligations, and if it werent for [ circumstance that caused you to miss a payment ], Id have an excellent repayment record. I made a mistake in falling behind, but since then, since COVID19 things has been very hard, I'm at a point that I'm reestablishing myself. I have a better job and I'm in the process of saving more and I'm enrolled in financial seminars weekly. I'm improving my credit as well and learning money management. Ive had a spotless record of on-time payments. 

Im planning to apply for to purchase a home in the next year and a car as well. This forgiven will help my credit greatly, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late in the amount of XXXX which includes the year and months of late payment. XXXX months includes XXXX. XXXX XXXX, XXXX, XXXX, and XXXX. XXXX XXXX, XXXX, XXXX for my One Main Financial account. 

Thank you for your consideration, and I hope youll approve my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states 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.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states 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.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).

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 2023-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC
State: GA

Complaint narrative:
I just looked over my credit report and notice an account from you showing. I refuse to pay this debt or any other that you are showing for me. Please don't not contact me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX XXXXXXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states 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.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).

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 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is a request for you to investigate the following " Unverified '' accounts listed below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 4 business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed. 
Name of the account : US Dept of Education Debt ID Number : XXXX ( Unverified account ) XXXX ( Unverified account ) XXXX ( Unverified account )

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 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is a request for you to investigate the following " Unverified '' accounts listed below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 4 business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed. 
Name of the account : US Dept of Education Debt ID Number : XXXX ( Unverified account ) XXXX ( Unverified account ) XXXX ( Unverified account )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XXXX XXXX, 2023, there were two unauthorized transactions that posted on XX/XX/XXXX from XXXX XXXX and XXXX. Wells Fargo investigated and posted {$550.00} to my checking account on XXXX XXXX, 2023 reimbursing the full amount that was stolen. 

The second unauthorized transaction occurred on XX/XX/XXXX, in the amounts of {$2200.00} and {$1700.00} from XXXX XXXX XXXX. Wells Fargo has DENIED this claim TWICE. 

An unauthorized online funds transfer of {$15000.00} from Savings to checking also occurred. I reversed the transfer myself thus closing the claim. 

A previous debit card was closed XXXX/XXXX/23 due to confirmed fraud. A new card was mailed on XXXX/XXXX/23. It was activated on XXXX/XXXX/23. This card was closed on XXXX/XXXX/23 due to fraud. 

A new card was mailed on XX/XX/XXXX23. This card was closed the same day due to fraud. 

A new card was mailed XX/XX/XXXX/23. It has not been activated and I changed banks because of lack of confidence and incompetence. I Also changed account numbers in this process. I'm not sure of the date. 

At least twice, I received fraudulent phone calls and false claim numbers, claiming to be from Wells Fargo, that were asking for personal information. The banker I was working with at Wells Fargo during the fraudulent activity,, told me I could trust the Wells Fargo person on the other end of the phone call if they were calling from the number on the back of my card. This proved not to be true. shortly after, He no longer works there. I received poor direction in handling this breach on several occasions. 

Wells Fargo has refused to use common sense. My checking and card accounts were fraudulently hacked several times. They are insisting I authorized transactions from XXXX. I need help in returning over {$4000.00} that belongs 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 monetary relief
Consumer complaint received 2023-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I had a XXXX XXXX XXXX XXXX repossessed by Wells Fargo in XXXX despite having a payment plan set up with them due to financial hardship and owing less than {$2700.00}. The payment plan had been agreed upon and I received no warnings at all. I had been making on time payments since XXXX until the pandemic hit and had a balance left on my loan of only {$2600.00}. I believe my car was illegally repossessed since I had spoken to multiple representatives about the payment plan I had in place.

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 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states 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.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states 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.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).

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 2023-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC

Complaint narrative:
SPServicing tried to hold up my refinance by providing only a one day payoff notice and no per diem. SPS through their agent, XXXX XXXX XXXX tried to block me from going to settlement. they continued to play games and make excuses regarding a proper payoff statement. This was in violation of XXXX. 

I made over five requests for a payoff statement. XXXX and SPS took longer than seven days to respond to my requests. Then, SPS 's payoff statement was good only for one day. It is impossible to go to settlement with a one day payoff statement. 

This is a violation of RESPA. 

SPS was trying to drag my refinance out until the moratorium expired. Then, SPS hoped that they would be able to foreclose on my home. All of SPS 's delaying actions were in violation of 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 2023-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I pay all my bills on the 1st-2nd of each month. If I can pay more later ; I will if there is a balance. I paid {$250.00} on my XXXX XXXX XXXXXXXX card on XX/XX/XXXX. My minimum due is {$25.00} due by XXXX of every month. I reviewed my statement for XX/XX/XXXX and found I was charged a late fee with interest of {$25.00}. I called customer service and spoke with XXXX a rude representative and XXXX XXXX XXXX account supervisor. I was advised a late fee is charged if the bill is paid before the statement closes even if it is with in the same month. I asked her to show me this on my statement. As a consumer I had never heard of that and it certainly isn't in the bold print on my bill that says " PAY THIS AMOUNT BY THIS DATE OR THIS WILL BE CHARGED ''. I have 2 Credit Cards with Capitol One and an auto loan. I don't make it a habit of being late or receiving fees. I asked for the {$25.00} fee to be removed because this information I was not aware of. A late fee is applied in the same month as a payment meeting or exceeding minimum. I was advised they could not do this. The reasoning and charging late fees for a bill paid on time is not right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681e Section ( b ). States 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. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in fact, inaccurate. As defined by the IRS even if you didnt receive a Form 1099-C you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as gross or ordinary income. INCOME does not get reported on the consumer report which means charge off is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681e Section ( b ). States 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. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in fact, inaccurate. As defined by the IRS even if you didnt receive a Form 1099-C you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as gross or ordinary income. INCOME does not get reported on the consumer report which means charge off is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
On XX/XX/2023 I contacted national credit adjusters concerning a debt collection they put on my credit report, I called him spoke with somebody with the denial and dispute. Told him I needed to be verified the debt because I had no knowledge of it. They did not have a correct address or a correct phone number. Then I called again on XX/XX/XXXX. Talked with somebody again about another deny and dispute 30 days after the first one still no verified of debt mailed to me so I could find out what his problem is and it is XX/XX/XXXX and I still have not received anything in the mail or any phone calls about this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX Date XX/XX/2023 In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a 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

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