vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX of XXXX Reporting of 30-Day Late Payment Account Number : XXXX Dear XXXX XXXX Bank, I am writing to formally dispute the inaccurate reporting on my credit history regarding a 30-day late payment that occurred in XX/XX/XXXX. This discrepancy exists due to my COVID-19-related circumstances during that time. 

As per the CARES Act, which was enacted to provide economic relief to individuals affected by the COVID-19 pandemic, it is explicitly required that lenders report accounts as current if the late payment was a direct result of hardships caused by the COVID-19 virus. I would like to affirm that the 30-day late payment in XX/XX/XXXX was a direct consequence of my contraction of XXXX. 

Under Section 4021 of the CARES Act ( 15 U.S.C. 1681n ), it is illegal for a lender to inaccurately report information regarding a consumer 's account, especially when the reporting is deceptive and noncompliant with the law. Failure to rectify this inaccurate reporting may lead to legal action on my part. 

I kindly request that XXXX XXXX XXXX  take immediate action to correct the inaccurate reporting on my account by removing the 30-day late payment notation for XX/XX/XXXX. This action is essential to ensure the accuracy of my credit report and prevent any unwarranted harm to my creditworthiness. 

If XXXX XXXX XXXX  fails to correct this issue within 30 days of receiving this letter, I will have no choice but to pursue legal action for false reporting, deceptive practices, and civil liability under 15 U.S.C. 1681n. I sincerely hope it does not come to that, and I trust that XXXX will take this matter seriously and act in accordance with federal law. 
I appreciate your prompt attention to this matter and request written confirmation of the resolution once the inaccurate reporting has been corrected. 

I have also sent this letter to the Federal Trade Commission, California Department of Financial and Professional Regulation, Office of the Attorney General, Department of Banking and Finance, Office of Thrift Supervision, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Advocates for Fair Credit Reporting, Consumer Financial Protection Bureau XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX of XXXX Reporting of 30-Day Late Payment Account Number : XXXX Dear XXXX XXXX XXXX, I am writing to formally dispute the inaccurate reporting on my credit history regarding a 30-day late payment that occurred in XX/XX/XXXX. This discrepancy exists due to my COVID-19-related circumstances during that time. 

As per the CARES Act, which was enacted to provide economic relief to individuals affected by the COVID-19 pandemic, it is explicitly required that lenders report accounts as current if the late payment was a direct result of hardships caused by the COVID-19 virus. I would like to affirm that the 30-day late payment in XX/XX/XXXX was a direct consequence of my contraction of XXXX. 

Under Section 4021 of the CARES Act ( 15 U.S.C. 1681n ), it is illegal for a lender to inaccurately report information regarding a consumer 's account, especially when the reporting is deceptive and noncompliant with the law. Failure to rectify this inaccurate reporting may lead to legal action on my part. 

I kindly request that XXXX XXXX XXXX  take immediate action to correct the inaccurate reporting on my account by removing the 30-day late payment notation for XX/XX/XXXX. This action is essential to ensure the accuracy of my credit report and prevent any unwarranted harm to my creditworthiness. 

If XXXX XXXX XXXX  fails to correct this issue within 30 days of receiving this letter, I will have no choice but to pursue legal action for false reporting, deceptive practices, and civil liability under 15 U.S.C. 1681n. I sincerely hope it does not come to that, and I trust that XXXX will take this matter seriously and act in accordance with federal law. 
I appreciate your prompt attention to this matter and request written confirmation of the resolution once the inaccurate reporting has been corrected. 

I have also sent this letter to the Federal Trade Commission, California Department of Financial and Professional Regulation, Office of the Attorney General, Department of Banking and Finance, Office of Thrift Supervision, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Advocates for Fair Credit Reporting, Consumer Financial Protection Bureau 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 explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Last year I enrolled into a XXXX installment plan for my XXXX XXXX XXXX Synchrony Bank account and it was closed. The installment plan was for XXXX equal payments automatically scheduled on my account and it stated that there was NO INTEREST that was supposed to be charged. It was expressed that all I had to do was make the equal payments and I would be able to pay off the balance. Well on the latest statement I was just charged over {$800.00} interest. This will negatively impact my credit and make it impossible to pay in XXXX equal payments as promised.

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 2023-09-14 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: PA

Complaint narrative:
I have file numerous credit disputes over the past 5 year and have never receive and verification/validation of inconsistent and obvious contradicting information reporting within the reporting account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
My mortgage was sold to a new servicer without my knowledge in XX/XX/2023. I was made aware of this in XXXX. I contacted the company to set up my account and start automatic payments. I was told this would happen. I made a lump sum payment at that time to bring my account current. There was no credit consequences at this time. I was placed on paperless billing. 

I never received a bill of any type and assumed my payments were being made via automatic withdrawals. I then received a snail mail bill for 2 months ( XXXX and XXXX ) worth of payments at the beginning of XXXX. I immediately got online to make the payment. I then called the company to confront them about why they didnt send me an email bill for the XXXX payment if I was not on the auto pay and why my account was not placed on auto pay as I had requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Requested for the original contract with my signature to be sent to me. There is still no reply to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MA

Complaint narrative:
My loan 's original principal was XXXX. My school only was disbursed {$3200.00}. Nelnet says to pay off my loan in full it was {$3200.00} principal + {$1.00} interest. I did that but my principal was actually {$3200.00} and since I paid in full within 120days I shouldn't have to pay any interest. Now they overcharged me {$35.00}, and have no intention to refund my money to my bank account i used to pay. nelnet has terrible customer service and does not respond to emails nor calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I notified Citibank of 8 fraudulent credit card charges on my XXXX statement as soon as I received the statement. The charges were clustered over a two-day period from stores/malls I've never shopped at. Citibank never investigated the charges with the merchants to compare signatures on receipts, looked at the pattern of unusual account activity or otherwise conducted a reasonable investigation. Instead, they told me on the phone that since the credit card was in my possession, " I must have made the purchases. '' Even though I appealed their decision, without it being resolved, Citibank sent me a letter ( first time I received anything in writing ) threatening me with an adverse credit report if I didn't pay the full amount due. I am a XXXX  citizen ( age XXXX ) and the intimidation has caused me great distress. I never authorized these fraudulent charges and request your assistance in having Citibank reverse these charges.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Incorrect information on my credit report! 
Company : Experian 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 2023-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I continue to get a calls from people stating they are calling me from a law firm and are about to file a legal complaint out of XXXX XXXX XXXX. They state a loan was taken out with Capital One but will not provide the alleged date of when the so called loan was taken out. They stated that they can see I have a credit card with Capital One when I in fact do not have a Credit Card with Capital One. They attempt to intimate me by continuing to state they know my address and social security number. They have stated that information and I am unsure on how they got access to my personal information. They are threatening to file a legal complaint against me along with sending me to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX my bank ( USAA ) automatically opted me in for overdraft fees in my checking account without my permission. On XX/XX/XXXX a recurring debit pos from a gym that I don't even go to and it costs me XXXX times the amount in fees to cancel the membership was posted to my account even though I didn't have the funds in my account to cover it. My account went in the negative and I was charged with an overdraft fee. Prior to XX/XX/XXXX the charge would have been just declined. There was no mention of this change or any permission given on my part to be opted into overdraft fees. I missed the XXXX notification that was sent via email XXXX weeks prior to the change. This seems to be an attempt to take people 's money without their consent by this bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: FL

Complaint narrative:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-14 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: FL

Complaint narrative:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-09-14 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: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
My credit report is showing late payments to FORD MOTOR CREDIT COMP XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or FORD MOTORs customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened an account with Capital One and when I paid by endorsing my bill of exchange according to the Bills of Exchange Act they completely ignored the instructions I gave them to transfer my principal 's balance to the principal 's account. On XX/XX/, I sent the instructions with the negotiable instrument that they provided correctly and gave them 5 business days to complete the instructions, They then restricted my account. After that, on XX/XX/, I sent them the instructions again to give them an opportunity to cure and they ignored me again. on XX/XX/, I then sent them instructions the third time titled default notice and they ignored me again and also sent me another bill. I have performed in good faith according to the bill of the Exchange Act, I also sent them the laws to reference Federal Reserve Act Section 16 explaining that the Collateral Security is the Application they received. The XXXX completely ignored my instructions. I have all the proof and enforcing Federal Reserve Act Section 29. For Breach of Contract. 

Please Note every time I send communication include a copy of the instructions and a copy of the coupon. this is a pattern of non-performance. Federal Reserve Act 29.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 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 2023-09-14 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: FL

Complaint narrative:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-14 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: TX

Complaint narrative:
I'm XXXX XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected.

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

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 2023-09-14 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: TX

Complaint narrative:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-14 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My credit report is showing late payments to JPMCB AUTO XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or JPMCB AUTOs customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I have account with XXXX and gets monthly report. I was alerted that an account was opened in my name at The Goldman Sachs Group Inc on XX/XX/2023. I did not open this account, and nobody contacted me about opening account in my name. The details received from XXXX on the illegally opened account in The Goldman Sachs Group Inc. are as follows : Reason - Open Financial Institution - XXXX Secondary matches - Name, Address, XXXX Name of Financial Institution - The Goldman Sachs Group Inc Account Opened Date - XX/XX/2023 Notification ID - XXXX

Company response to consumer: Closed with explanation