vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
I have received an email from the U.S. Department of Education on XX/XX/XXXX stating that my student loans that I had acquired when I was attending XXXX XXXX were being fully discharged. It said that I do not have to make any more payments on the loans. 
I received a phone call about 2 months ago from someone at Mohela about my loans and how they were taking over my loans. I told them then that I had gotten an email stating my student loans had been discharged. All except my private loans with XXXX, who is a criminal organization as well. Today I get a bill in the mail from Mohela that states that I owe around {$15000.00}. I will not pay them. I have the email from the U.S. Department of Education.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
On XX/XX/2023, I sent the attached request to XXXX XXXX and they received the request on XX/XX/2023. I have not received any correspondence back. The information in my consumer report is reflecting inaccurately. I would like this account to be investigated as according to my records it is reflecting inaccurately and I havent been able to get in contact with the creditor.

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 2023-09-25 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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
My XXXX statement period ended XX/XX/2023, the balance was reported to the credit bureaus on XX/XX/2023, per the information on my credit report. This is the same for every month prior. I paid the full statement amount on the card, over {$6000.00}, on XX/XX/2023. I knew this would not be reported to the bureaus until the statement period ended, which was XX/XX/2023. The card was also converted from a Comenity MasterCard to a Bread Financial American Express on XX/XX/2023. Bread Financial says this has had no bearing on the delayed credit reporting. They also stated they sent the reports to the bureaus on XX/XX/2023 as they do every month. This is inaccurate. The credit bureaus have not received this report. My most recent credit reporting seems to be lost between Comenity and Bread in their recent acquisition or conversion. They are required by FCRA to report my account accurately and timely, which they are not. Their response was to wait 45 days and see if it posts. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: NV

Complaint narrative:
15 U.S. Code 1681e - Compliance procedures ( ACCURACY OF REPORT ) 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. 

produce all documentation everything associated with account Produce original contract and auction receipt payment insurance loan insurance Westlake FinancialXXXX

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 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
They hit my credit score XXXX  dropped it by 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 2023-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Note : This same issue occurred in XXXX and was concluded to our satisfaction ( shows pattern ) In early XXXX, SLS informed us that they had ( unnecessarily ) purchased property insurance on our behalf. We provided insurance documentation immediately ( twice, they claimed not to have received the first, same as in XXXX ) SLS placed insurance charges into an escrow account and began posting late fees and charges to our account regarding this duplicate insurance, while improperly posting our mortgage payments to show them as late due to the incorrect charges. 

We have always made timely payments automatically through our bank*** After multiple calls to multiple SLS reps ( who repeatedly told us SLS was in error ) and multiple correspondence, SLS sent a letter on XX/XX/XXXX stating that the advance was not needed and that they would adjust our account to reflect this. ( letter attached ) To date SLS has not done so, and in fact has been compounding late fees and refuting our detailed correspondence almost to the point of hostility. ( Please see correspondence log, attached. ) We also have been getting nearly constant dunning calls, and this " late '' status on the mortgage is now affecting our otherwise impeccable credit record. 

We can afford to pay late fees when they are valid. 
It seems to us that this pattern of purchasing unnecessary insurance and then charging fees and making clients jump through hoops to get their accounts cleared is predatory or bordering on fraudulent. 

***There was one late payment in XXXX of XXXX due to a banking change, and as soon as we became aware of it we made both the payment and paid the late fee. ( see payment log, attached )

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 2023-09-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I had my account on autopay for many months and payments always were collected on time. Just recently I saw my credit score had dropped significantly and I traced it back to CitizensPay. I opened my account portal and it still said autopay was on. I went to the saved payment method and it was my credit card for my business. I paid off the balance that was left for the last 4 months and the payment went through just fine. 

I called them and they said I hadn't been paying and they have emailed me. The emails had been going to spam. I had no idea it wasn't being paid. 

I got this loan through XXXX which is my security system for my business. I have seen all my XXXX payments going through each month. I wasn't even really aware of this loan which was a separate cost for the equipment. This must be why it wasn't on my radar and things were going to spam because I never even interacted with this CitizinesPay company. I was just automatically signed up for it when I signed the XXXX paperwork. 

I also don't understand why this loan is affecting my personal credit when it's for my business equipment and was being paid by my business accounts. 

Now I can't get any business loans because my personal credit score has dropped so much. This is putting me in an absolutely terrible position and I might lose my business because of it. 

I can pay them off completely if necessary. The payments are only $ XXXX. I can pay them {$1000.00} if necessary. I have that available in my account now. 

I was not avoiding payments from them and do have the money. The main problem was their emails are going to spam. That is on their end. Maybe many people are reporting their emails as spam. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Emails : XXXX, XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Re : Dispute of Fraudulent Account Reporting - Consumer ID XXXX To Whom It May Concern, I am writing to dispute the reporting of a fraudulent account that appears on my consumer report, which is maintained by your agency under Consumer ID XXXX. The account in question was reported for overdrafts by Chex Systems , Inc., and the details are as follows : - Account Holder : XXXX XXXX - Date of Birth : XX/XX/XXXX - Reported Address : XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX - SSN/ID : XXXX - Driver 's License : [ State ] - Date of Closure : XX/XX/XXXX - RTN/ACCT # : XXXX / XXXX - Original Charge Off Amount : {$370.00} - Closure Status : UNPAID - Closure Status Date : XX/XX/XXXX I am disputing this account on the grounds that it was opened without my knowledge or consent due to fraudulent activity. I have not authorized the opening or operation of this account, and I have no affiliation with the financial institution associated with it. 

Enclosed with this letter are documents that support my claim of identity theft and fraud, including copies of police reports and any relevant correspondence with the financial institution. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter and takes the necessary actions to address the fraudulent account reporting on my consumer report. I am seeking the removal of this account from my consumer report and a correction of the inaccurate information related to it. 

I understand the significance of accurate consumer reporting in maintaining the integrity of financial information and protecting consumers from identity theft and fraudulent activity. Therefore, I trust that the Consumer Financial Protection Bureau will give careful consideration to this dispute and work diligently to resolve it. 

Please inform me in writing of the results of your investigation and any actions taken to rectify the situation. 

If additional information or documentation is needed from my end to facilitate this process, please do not hesitate to contact me at the phone numbers or email addresses provided above. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the removal of this fraudulent account from my consumer report. 

Sincerely, XXXX XXXX Enclosures : [ List any enclosed documentation, such as police reports or correspondence with the financial institution ]

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 2023-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX XXXX XXXX  I attempted to pay a bill from my cash app account in which I had loaded cash on a few days prior And I get this message after I was unable to complete the bill pay to internet provider that I had violated there terms of service. They allowed me to transfer my money and set up a new card to transfer the {$39.00} in the account so I could pay for work retaliated stuff. However they refuse to tell me why they closed my account and banned me for life. This is how I was sending money to my daughter is the main issue right now. They refuse to give me any information about how I violated there terms of use. But just their disclosure that tells me nothing because Ive done nothing wrong. If I had done something wrong. Dont I have some right if an explanation if only a miminmal one?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am not able to access my credit report/score from the TransUnion App/Website. The site keeps telling me I'm blocked and that I should contact/email a someone that does not align with the credit company. This makes no sense. 
I received a letter from XXXX on behalf of XXXXXXXX XXXX XXXXXXXX??? saying my personal information had been compromised. This led me to the TransUnion site which is not accessible. They also are pushing the " Credit Lock '' like XXXX for {$29.00}. You must really work to find the disclosure that a Credit Freeze will do the same thing. It is wrong that my finances should rely on such a reporting agency that access to me is denied!

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 2023-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer reporting agencies may furnish reports under strict circumstances. One of them is Written consent or it's identity theft. 
XXXX, Transunion, and experian are reporting my consumer report improperly.

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 2023-09-25 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: FL

Complaint narrative:
Consumer reporting agencies may furnish reports under strict circumstances. One of them is Written consent or it's identity theft. 
XXXX, XXXX, and experian are reporting my consumer report improperly.

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 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have called, chatted, and logged in myself to get Bank of America to STOP mailing me promotional offers. 

They will NOT stop!!!! 

Please get them to stop PLEASE!!

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 2023-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I do not have any wet ink signatures and no contract with Portfolio recovery associates , LLC. I do not owe them any " debt ''. 
I called on XX/XX/2023 and asked for a contact name to send certified mail to their company. I was told that unless I disclose exactly WHAT this correspondence is, they refuse to give me any names of any individual to send mail to. This is confidential information to be sent certified mail, yet they are requesting that I disclose this information on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
I had 6 business and 10 personal credit card accounts all closed in early XXXX. I requested information over the phone but was not given a reason for account closure. A letter was mailed saying rewards misuse was the stated reason, however no specific action that I took was mentioned as a specific instance of rewards misuse. 

I pay all accounts in full every month, and had initiated a large transfer with my Chase rewards during a bonus transfer period to XXXX. I imagine this may have triggered a shutdown of my account, as this was the only significant use of rewards I have had in the last 6 months, but I do not know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: FL

Complaint narrative:
About 4 months ago I sent notifications to the bureaus that I needed them to investigate something on my credit report. They have only sent me the same letter 3 TIMES IN A ROW claiming that they believe that I am not the one requesting the information which is a lazy excuse for them not to do their job since from the first time I did what they indicate on their websites that We must attach proof of identification, I think they are only delaying the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: AR

Complaint narrative:
I have been a victim of identity theft. I filed all the correct paperwork according to the FCRA and disputed these accounts. The paperwork has not been filed correctly and not processed according to the FCRA. I also have asked for copies of the verification process and not gotten them. 

These accounts are : 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 2023-09-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reports. Unfair credit reporting can also shake people 's trust in the system. 
So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX- XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent.

These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is reporting this fraudulent information to my consumer reports. They are disregarding the law. They are not supposed to report information associated with identity theft unless I informed them to. I never authorized them to report this fraudulent 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 non-monetary relief