vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ZINC Financial, Inc.,
State: PA

Complaint narrative:
I purchased the car from XXXXXXXX XXXX XXXX  who found me a lender in XXXX XXXX XXXX The car was XXXX at the time of safe I made a XXXX down payment and paid an additional XXXX for my taxes and tags. If you look at my contract they debited instead of applying a credit which balloon the price to XXXX. When I ask XXXX XXXX to look over my contract because I overpaid they sold my account and refused to do anything but send me my ledger of payments. Now Im dealing with Zinc auto who I explained this to as well are threatening to repo my car. The owe me thousands and heres my proof. Please review my attached documents as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
I purchased a vehicle from out of state using two credit cards in XXXX of 2023. The car came and had several issues, and the check engine light was on and the dealership never mentioned any issues. Also the dealershipsent me picturesof the vehiclewith no scratchesor dent and when the vehicle came it had issues. I reached out to the dealership and tried getting the issues resolved but the dealership stop communicating with me. I reached out to my credit card and filed a dispute because of the misrepresented vehicle they sold me. The credit company said they found in the dealership favor. Now the dealership came and took the vehicle back from us. Called the credit card company and let them know and they said it's nothing they can do ... now the car was paid for in full with 2 credit cards. And I didn't owe for the car. I did not return the car, the dealership came and repossessed the car without my knowledge. The dealership still have my payment that I used with discover. Now I reached out to discover they said they can not dispute the payment. The dealership would have to refund me the money and it's nothing discover card can do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: TX

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 explanation
Consumer complaint received 2024-03-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I submitted several requests including an affidavit proving Identity Theft to Equifax and XXXX to delete XXXX XXXX XXXX from my consumer report. My personal information has been breached at all 3 credit reporting bureaus and the only bureau that removed the inaccuracy was XXXX. Equifax and XXXX have failed in their duty to report 100 % ACCURATE information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: CA

Complaint narrative:
I hope this letter reaches you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of the inaccurate negative entry persisting on my credit report across all three major bureaus. Despite my repeated attempts to rectify this matter, the lack of action on your end is unacceptable.

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 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
All right on XX/XX/2024 my account was closed without my consent, without notice, and no explanation. I had called Wells Fargo customer service. They were not helpful. They forwarded me to another department that was supposedly the highest Department in the company in hopes that they could give me some kind of explanation as to why they were closing my account and when I was to receive my money. I spent an hour on the phone and did not get any kind of Reason explanation or help. All I wanted was my money and they could not provide me with any reason as to why they would not give it to me. The customer service representative also hung up the phone on me when she was getting frustrated with me because I kept asking her how do I access my money and was met with silence.

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 2024-03-19 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
i am a victim of identity theft someone has used my personal information to obtain goods and services using my personal information.

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 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I accidentally closed my Chase Hyatt Business Card ending in XXXX on XX/XX/XXXX. I immediately realized I had closed the wrong card on the same day. I called Chase automatically to reinstate the card and they needed to process it. Later on, they told me they need to pull my credit report. Unfortunately, Chase had an issue with the " back-end '' system as a representative named XXXX told me so they couldn't pull my XXXX report . He needed to create a ticket to escalate it. At this point, I was concerned since the first rep had told me I had 30 days to reopen or reinstate the card. However, he decisively mentioned on the call I had 60 days to reopen it. At this point, this back end issue on Chase 's end took the next few weeks to resolve. When they finally pulled the credit, I talked to a woman who said she had done the reinstatement and they just needed a final team to confirm the balance and it should be reinstated within the week ( week ending in XX/XX/XXXX ). Yesterday on XX/XX/XXXX, I spoke to a supervisor named XXXX and they told me they could not reopen the card since it was past 30 days! Every rep I had talked to prior to him said I had a 60 day window which I am still under. This is disingenuous and false information given by Chase across this reinstatement. Especially when the length of time was due to Chase 's backend problem and none of mine. This does not fall under proper reporting and customer disclosure under the regulations and FCRA. I am asking Chase to reinstate that account to properly resolve this situation. I had talked to over 30 different reps all giving varying amounts of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SLM CORPORATION
State: CA

Complaint narrative:
My student loans went into repayment in XXXX, 2023 and the company ( Sallie Mae ) reported them delinquent to my credit report the month prior to them being due, in XX/XX/year>. They then proceeded to tell me there was nothing they could do, I would have to write a letter to their credit department which would take 60 days minimum for them to reply back. I am now unable to refinance and consolidate my loans due to this incorrect reporting to my credit. I need it fixed NOW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
Subject : Urgent Request for Correction of Payment Reporting and Payoff Letter - Loan # XXXX CrossCountry Mortgage, LLC Dear Sir/Madam, I am writing concerning my loan account # XXXX with Cross Country Mortgage. I have recently observed discrepancies in the reporting of my XX/XX/XXXX payment on my credit reports, which are adversely affecting my ability to obtain credit. I believe these issues are due to errors in processing on your end and not any fault of my own. 

Your records indicate that my payment of {$3500.00} for XX/XX/XXXX was received at the end of that month. I assert that I never submitted any payment in XXXX. The payment in question was indeed made in a timely manner in XXXX, as evidenced by two payments reflected in your records as received on XX/XX/XXXX. Furthermore, I encountered multiple glitches and malfunctions in your online payment portal during XXXX and XXXX. The constant upgrades, redirects, and newly hired overseas customer service may have compounded these issues.

Here are the key details supporting my stance : 1. Consistent Payment History : I have maintained a long-standing history of on-time payments with your institution, verifiable through my account history. 
2. Payment Attempts : In XXXX, I made several attempts to ensure correct processing of my payment : Check # XXXX dated XX/XX/XXXX, initially missing but processed under # XXXX on XX/XX/XXXX. 
Payment # XXXX dated XX/XX/XXXX. 
3. Error in Payment Application : The payment made in XXXX was erroneously applied to XXXX. 
4. Attempted Resolution : Following the missing check incident in XXXX, I promptly issued another payment to cover the amount. 

In light of these points, I respectfully request the following : 1. Immediate Correction of Credit Reporting : Kindly remove the late payment report for XX/XX/XXXX, as it was due to processing errors and not a lack of payment on my part. 
2. New Payoff Letter : I need an updated payoff letter, valid through XX/XX/XXXX, confirming that all payments have cleared. 

I value my relationship with Cross Country Mortgage and wish to continue it as I look to secure another property. However, the current situation requires prompt attention. I believe a courtesy adjustment for a long-standing, punctual customer like myself is reasonable under these circumstances.

Attached are the proofs of payments made on time. Please review them and make the necessary corrections. I am hopeful for a swift resolution to this matter, failing which I will be compelled to file a formal complaint.

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX XXXX Regarding Property : XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NH

Complaint narrative:
I am reaching out to request assistance. I XXXX XXXX in XXXX and a portion of my private loans were sold from XXXX  ( a NH based company ) to Firstmark Services ( a 1 star rated company based out of Nebraska ). In XXXX ( XX/XX/XXXX ) I got a statement, called and spoke to someone from Firstmark as I was supposed to be deferred and in a grace period. She explained I was in an interest only repayment period and it was optional to pay it. I called again when I got a statement in XXXX ( XX/XX/XXXX ) for {$720.00}. I was told again this was interest only repayment and it was optional to pay. Towards the end of XXXX they applied late fees to this {$720.00} amount and told me I had to pay it. I looked over my original loan documents and I never chose interest only repayment, I chose complete deferment. I spoke to a higher up ( XX/XX/XXXX ) within the company and she put in a case for me. It took two weeks for there to be an update and I never received a call like they said I would. I had to call them ( XX/XX/XXXX ) for them to tell me they entered my loan into repayment a month early because I was not paying the interest. By this point I am 26 days past due and it will impact my credit soon. However, they should be abiding by my contract which said deferment. I have names and dates from when I called the company. On XX/XX/XXXX I filed a XXXX XXXX XXXX  complaint. I have yet to receive a response from Firstmark. When I called last Friday ( XX/XX/XXXX ) I mentioned for the third time my original loan documents and this lady submitted a new case attaching my original loan documents and she advised me to make my monthly payment ( {$340.00} ) which I did. This weekend I checked my portal and saw the Past Due amount go down after I paid the {$340.00}. I checked again today ( XX/XX/XXXX ) after I got a text from Firstmark telling me to call them immediately and noticed the past due balance was back up to {$720.00} and I still owed the monthly payment. Its as if that {$340.00} payment I made went towards none of my loans. I called today and I spoke to the same girl, she was unhelpful and essentially said I can ask about the {$340.00} not making a dent in my loans when they give me a call once my case is resolved. Today is day 30 past due and the last case they never even called me to update me. This company has almost 250 complaints to the XXXX XXXX XXXX  within the last 3 years. They are unhelpful and it seems as though they are stealing peoples money and every time I call for assistance it somehow gets more messed up. I have been asking for help through the company and through XXXX  to get no answers and no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Mountain America Credit Union reported a Late Payment/Missed payment that was incorrectly reported to the credit reporting agencies by MACU on XX/XX/2023. MACU customer service confirmed to me that this missed payment was a result of a a bank error by Mountain America Credit Union in which my automatic payment was accidentally turned off. MACU acknowledged this mistake and agreed to update to the credit reporting agencies. 

Late payment for XXXX ( XXXX ) This missed payment has caused considerable damage to my credit score and resulted in XXXX of Dollars in compounded interest charges to accumulate as a result of the increased interest rate due to this damage to my XXXX 

I am requesting that MACU immediately update to the credit reporting agencies that this was not a late or missed payment but done as an error by your bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I am appealing the XX/XX/XXXX dispute response that denied a {$300.00} credit to my account. I never received medical supplies from a merchant. I asked Comenity to assist me when the merchant was not helpful with a refund. I waited over 8 weeks for these medical supplies that have still not arrived. Unfortunately, Comenity denied my request for a {$300.00} credit because I failed to provide proof of cancelation. However, this is a circular logic. I was contacting the credit card company for help because the merchant made it impossible to cancel the order. I have spoken to multiple representatives at the Bread Cashback American Express Card offered by Comenity. I have posted multiple responses in the online message center. Unfortunately, I am still out {$300.00} with no merchandise. The Bread Cashback American Express Card offered by Comenity has prematurely denied my request for a {$300.00} credit. I was able to purchase the medical supplies from another vendor and recovered from my procedure. I no longer have a need for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-19 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: VT

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: Absolute Resolutions Corp.
State: FL

Complaint narrative:
i am victim of identity theft someone has used my identity to obtain services and goods using my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
i am victim of identity theft someone has used my identity to obtain services and goods using my personal information.

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 2024-03-19 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: NY

Complaint narrative:
hello back on XX/XX/19 a letter was sent to Transunion disputing some information reporting to my credit that is not accurate. I have also not received any correspondance on them processing my request. I wish to have my voice heard please adv them that they are required to.

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 2024-03-19 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: PR

Complaint narrative:
I check my credit report in Experian for the first time in XX/XX/XXXX, and there was addresses, that not were mine so I dispute them. Also, hard enquiries on my credit and Autoloans affecting my credit nd employment that was not me. Appear to jobs in XXXX and I lived all my life in XXXX XXXX, we did a police report ( find attach ) Did the same in XXXX XXXX. 

Experian XXXX XXXX XXXX, closed dispute in process XXXX XXXX XXXX XXXX XXXX Opened Dispute in process XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX Opened XX/XX/XXXX, status opened {$85.00}, already in dispute XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$26000.00} dispute in Review XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( XXXX ) XXXX Employment Sunbelt Disputed 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