vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: WI

Complaint narrative:
In early XXXX of XXXX it's showed that my student loans were charged off with no debt and this caused my credit score to go up due to that. And mid XXXX of XXXX all of the student loans came back on my credit report but now it looks like I have XXXX accounts with different amounts of being paid and not paid this cost my credit score to go down XXXX points past that when it occurred.Also I was unaware and not notified of the US department of education switch of the names and this happening to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UPGRADE, INC.
State: KY

Complaint narrative:
I am moving so I went online to change my address with Upgrade. There was not option to change my address online so I called customer service. I authenticated my account by providing my current address, phone number, last 4 of my social, and the last 4 of the bank account used to make payments. The customer service rep placed me on hold then came back to say I had to email the request to servicing @ upgrade.com along with a utility bill or my bank statement in order to change my address. I then emailed a letter from XXXX XXXX confirming I had ordered new service at my new address I received a reply saying that was not good enough. They asked me to send my bank statement as proof I had changed my address with my bank. My bank statement in confidential so I emailed them my new lease, the letter from XXXX  XXXX, and an email confirmation from XXXX where I ordered internet service at my new address. Upgrade again refused to change my address. I was able to change my address with my bank online and all of my credit cards on line with very little effort. My concern is by refusing to change my address I won't be able to pay Upgrade because my bank has my new address and Upgrade has my old address. It seems like a ploy on Upgrade 's part to prevent me from making payments or to gain access to PPI that they don't need and are not entitled to which is not acceptable. I need help to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2022, my car was broken into and my wallet was stolen from my car. My debit card was then used at a gas station for {$400.00} and {$420.00} charges. Wells Fargo Bank notified me of potentially fraudulent charges on my card and cancelled the {$420.00} charge. I followed up with the bank after realizing my things were stolen and informed them the {$400.00} charge was not made by me and was fraudulent and I would like to be refunded the amount. About two weeks later, I received a letter in the mail stating that they found the charges were not fraudulent and they would not be refunding me the {$400.00}. I called the number included with the letter and asked how they came to this conclusion. They stated that because my police report was filed after the event and the chip of the card was used in the transaction they could not determine I didn't make the charges. It was as if they had forgotten fraud can still happen in person and not only online. I asked to reopen the investigation but was informed it was at their discretion and they did not reopen 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 monetary relief
Consumer complaint received 2022-07-21 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: TN

Complaint narrative:
The credit bureaus have been sent multiple requests for a proper investigation of this account listing. Each time, the credit bureaus took more than thirty days to complete the investigation... only to continue reporting erroneous information. The last letter was sent XX/XX/2022. A proper investigation has not been conducted due to multiple errors. The opened date is inaccurate, the credit amount is inaccurate, the date last reported is inaccurate, the date of last activity is inaccurate, as well as, the date of last payment. 

Inaccuracy # 1 - " Date Opened '' Inaccuracy # 2 - " High Credit '' Amount Inaccuracy # 3 - " Last Reported '' Inaccuracy # 4 - " Date Last Active '' Inaccuracy # 5 - " Date of Last Payment '' Inaccuracy # 6 - " Two-Year Payment History '' reflected conflicting information. 

Along with the fact that this account has been reporting a charge-off account for many years. Seeking further action is illegal, as XXXX XXXX XXXX has written this debt off. 26 CFR Subsection1.166-3 ( a ) ( 3 ) ( i ) Deemed charge-off. If a significant modification of a debt instrument ( within the meaning of 1.1001-3 ) during a taxable year results in the recognition of gain by a taxpayer under 1.1001-1 ( a ), and if the requirements of paragraph ( a ) ( 3 ) ( ii ) of this section are met, there is a deemed charge-off of the debt during that taxable year in the amount specified in paragraph ( a ) ( 3 ) ( iii ). 

( a ) ( 3 ) ( iii ) of this section. The amount of the deemed charge-off, if any, is the amount by which the tax basis of the debt exceeds the greater of the fair market value of the debt or the amount of the debt recorded on the taxpayer 's books and records reduced as appropriate for a specific allowance for loan losses. The amount of the deemed charge-off, however, may not exceed the amount of recognized gain described in paragraph ( a ) ( 3 ) ( i ) of this section.

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 section 602 A - states I have the right to privacy.

15 USC 1681 section 604 A section 2 - states a consumer reporting agency can not furnish an account without my written instructions.

According to 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}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: TN

Complaint narrative:
The credit bureaus have been sent multiple requests for a proper investigation of this account listing. Each time, the credit bureaus took more than thirty days to complete the investigation... only to continue reporting erroneous information. The last letter was sent XX/XX/2022. A proper investigation has not been conducted due to multiple errors. The opened date is inaccurate, the credit amount is inaccurate, the date last reported is inaccurate, the date of last activity is inaccurate, as well as, the date of last payment. 

Inaccuracy # 1 - " Date Opened '' Inaccuracy # 2 - " High Credit '' Amount Inaccuracy # 3 - " Last Reported '' Inaccuracy # 4 - " Date Last Active '' Inaccuracy # 5 - " Date of Last Payment '' Inaccuracy # 6 - " Two-Year Payment History '' reflected conflicting information. 

Along with the fact that this account has been reporting a charge-off account for many years. Seeking further action is illegal, as XXXX XXXX XXXX has written this debt off. 26 CFR Subsection1.166-3 ( a ) ( 3 ) ( i ) Deemed charge-off. If a significant modification of a debt instrument ( within the meaning of 1.1001-3 ) during a taxable year results in the recognition of gain by a taxpayer under 1.1001-1 ( a ), and if the requirements of paragraph ( a ) ( 3 ) ( ii ) of this section are met, there is a deemed charge-off of the debt during that taxable year in the amount specified in paragraph ( a ) ( 3 ) ( iii ).

( a ) ( 3 ) ( iii ) of this section. The amount of the deemed charge-off, if any, is the amount by which the tax basis of the debt exceeds the greater of the fair market value of the debt or the amount of the debt recorded on the taxpayer 's books and records reduced as appropriate for a specific allowance for loan losses. The amount of the deemed charge-off, however, may not exceed the amount of recognized gain described in paragraph ( a ) ( XXXX ) ( i ) of this section. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 section 602 A - states I have the right to privacy.

15 USC 1681 section 604 A section 2 - states a consumer reporting agency can not furnish an account without my written instructions.

According to 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}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Disputes was sent in regarding a account on my credit report that was in accurate, I sent the bureaus this time and time again and nothing was ever done since

I started this complaint. There was no disputes shown on this account. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) is the law that I feel they are not abiding by. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The amount showing that I owe is not correct My date are not accurate through any of the bureaus. There is also a law stating that all bureaus need to be all 100 % accurate and reporting the same. The open date is incorrect, the last payment date is not the same, last verified date is inconsistent.

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 2022-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
I have a home mortgage with Loan Care. Beginning in XXXX of 2022, Loan Care began to place my monthly mortgage payments into a suspended credit account. I called and the issue resolved. 

In the months that followed, each monthly payment I made was placed into a suspended credit account and was not applied to principal, interest, or escrow. I had to call each month to resolve the issue. 

Two payments processed in XXXX. The payment processed on XX/XX/XXXX was not applied to my XXXX balance ; rather, it was once again placed into the suspended credit account. On XX/XX/XXXX, I sent an email to Loan Care asking them to please apply the suspended balance to the actual mortgage payment due. In that email, I told them that I was so tired of dealing with this issue that I would be seeking refinancing with another mortgage company. 

I received conditional approval from another loan company - except my Loan Care mortgage showed that my XX/XX/XXXX payment was unpaid and overdue. I called Loan Care on XX/XX/XXXX, and was assured by a call center worker that the suspended balance would be applied by the end of business on XX/XX/XXXX. As of today, XX/XX/2022, Loan Care shows my account overdue by 50 days, while the exact amount due on XX/XX/XXXX ( {$1100.00} ) is shown as a suspended balance. I called again today and was assured once again that it will be addressed. 

I am trying to finalize a mortgage elsewhere because of this exact issue. I am extremely hesitant to make my XXXX payment, as I have no faith that it will not be sent to suspended balance purgatory with my XXXX payment.

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 2022-07-21 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: NY

Complaint narrative:
Under l

aw 15 U.S.C 1681B A 2 Without my written constructions to furnish the account on my report they can not have this account reporting to my credit report. 15 U.S.C 1681 4 I have the right to privacy i want nothing furnished on my credit report without my written consent. 

Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 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: NY

Complaint narrative:
Under law 15 U.S.C 1681B A 2 Without my written constructions to furnish the account on my report they can not have this account reporting to my credit report.

15 U.S.C 1681 4 I have the right to privacy i want nothing furnished on my credit report without my written consent. 

Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Finance Account # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my Rights. 
1

5 U.S.C 1681 Section 602 A. States that I have the Right to Privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also States a consumer Reporting Agency can not furnish a account without my written instruction.

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 2022-07-21 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my Rights. 
15 U.S.C 1681 Section 602 A. States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also States a consumer Reporting Agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: GA

Complaint narrative:
I don't recall ever receiving any information from this company before seeing it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
A bank account with Wells Fargo was opened using my personal identifying information. I have alerted Wells Fargo and placed a freeze on that account. They have opened a fraud investigation. 

Date of account inquiry/opening : XX/XX/2022 I have no data on the actual account transactions.

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 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been waiting for over a month for a credit to be returned to my card. I have called and spent hours on hold just to keep being transferred in circles when i clearly communicated what needed to be done. There were several times i was told i would receive a call back and did not get one as well as several times they told me they were putting a request in and the funds should be back on my account in a matter of days and as of today i have yet to be refunded. As a single individual with XXXX children STILL in the middle of a pandemic and taking care of inflating grocery, gas and rent prices this is very much unacceptable. This problem started XX/XX/2022 and as of XX/XX/2022 it has NOT been rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
We have a business XXXX XXXX, we have been directly affected by XXXX XXXX. We have a Chase credit card account and have had this account since XXXX, our credit limit was {$17000.00} we made two payments in XX/XX/XXXX, one on XXXX, and another on XXXX, the payment on XXXX was in the amount of {$9000.00}, after that payment, Chase decreased our credit limit by {$9000.00} without any notice. We made this payment not only as a payment, but it was also to be able to use the card to make purchases like lumber and other building materials easier. Of course they are saying the account was a personal account and not supposed to be used for business? 
We have worked so hard to get through XXXX, even working when we had XXXX, we also called Chase and let them know we were directly affected by XXXX XXXX, with their credit card relief, we are still having a tough time, and losing the XXXX is enough to put us out of business, not to mention our credit score dropped from XXXX to XXXX, which will XXXX  any chance of acquiring any future construction loans. If there is anything you can do to help, we would sincerely appreciate it. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear reporting Agency i am an identity theft victim. i am writing to dispute the following items on my credit report. each of those accounts and transactions i dispute were opened and made by the thief, not by me. i never authorized, used, or benefited from the accounts or transactions in anyway -XXXX XXXX XXXX  {$1000.00}

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 non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diverse Funding Associates LLC
State: IA

Complaint narrative:
I had a missed call with a voicemail from an XXXX company. They kept calling me and so I called them back. I spoke to a gentleman who told me that they had been sending me emails ( I don't receive emails to that email address ) I then asked for proof of debt which he then hung up on me... I called back to talk to another associate and a woman answered the phone. She said that they have been sending letters to my house but I have not received any letters from them. I explained to her that we've had about four different mail carriers in the last year and she got real sarcastic and said I apologize. That's my fault... She then started getting real upset and using foul language... Which then I told her to quit harassing me especially when they will not send me proof of debt with my signature on showing that I have signed for the loan or credit card, whatever it is...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: GA

Complaint narrative:
To whom this may concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that i am not 100 percent sure if they are. I also read something called " The Fair Credit Reporting Act '' where it said law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me. I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts need to be deleted. Well, i want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them I demand the following accounts be verified or removed immediately. 

NAME OF ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX NAME OF ACCOUNT XXXX ACCOUNT NUMBER XXXX NAME OF ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX In accordance with the fair Credit Report act XXXX  Account # XXXX, has violated my rights. 

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 with 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