vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 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: TN

Complaint narrative:
I applied for the SAVE plan in XX/XX/XXXX. It is currently XX/XX/XXXX and my application hasn't been processed. I have called and sent multiple messages regarding this issue. Every call I get someone in training who doesn't know and transfers me to a wait line for an hour plus. NOBODY can tell me why my application hasn't been processed. On top of this, I have a monthly payment due that I can not afford. Last week, they said they would submit a forbearance request, but now I'm currently on hold for them to see if that's actually the case since it's not updating online. If not, I will end up with a late payment on my account which I will not accept. I have reached out to this company so many times trying to find a resolution and they're not doing their part in " managing '' my student loan. 

This is also impacting my PSLF since they put my account in forbearance until they can get the application processed and I'm losing months of payments. This is extremely unprofessional and frustrating as a customer who has their loans with them when I had no choice in the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am an XXXX XXXXXXXX  during the holiday season. I have used XXXX XXXX accounts for three and a half years and have never encountered any problems. Three months ago, XXXXXXXX XXXX closed my checking and savings accounts. I did not receive any prompts or fraud reminders from them. The reason given was that they suspected that I deposited a {$15000.00} check signed by my XXXXXXXX XXXX  into my savings account. When I carefully compared the information they provided, I found that it was not my signature, and I reported it to XXXX. After verifying the details, someone tried to deposit my XXXX check into my BOA account and then took advantage of the time difference and tried to take the BOA money. I submitted my other official signed notes in the hope that they could compare the handwriting, but they Still no reply to me. And it has been delayed for three months. Different people and different departments have been shirking responsibility, telling me that it is still under investigation and has not been closed. Some departments told me that they have closed it, causing me to be unable to repay my credit card.

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 2024-02-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: NY

Complaint narrative:
I have received a credit report that suggests I owe you something, but I have not seen any evidence to support this claim. Therefore, I demand that you dismiss all claims against me and remove any negative reports about me, especially if the reported items lack mandatory document evidence of verified factual proof of claim, reporting truth, accuracy, correctness, completeness, fullness, timeliness, ownership or responsibility of claim/reporting, and/or compliance with certified Metro 2 format reporting standards. I also demand that you prove your lawful authority to conduct business with me, as I will not conduct any business interaction with you under duress. If you fail to comply with this demand within 20 days of receiving this notice, you must immediately and permanently cease all derogatory or injurious actions against me, including but not limited to reporting or collecting unverified, untrue, invalid, or non-compliant claims or debts. 
Please be aware that any such behavior could be considered criminal harassment or extortion, and I will take appropriate legal action. Therefore, please rectify any alleged chicanery-laden subterfuge on my credit report by removing any delinquently reported items. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged 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 2024-02-21 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: NY

Complaint narrative:
I have received a credit report that suggests I owe you something, but I have not seen any evidence to support this claim. Therefore, I demand that you dismiss all claims against me and remove any negative reports about me, especially if the reported items lack mandatory document evidence of verified factual proof of claim, reporting truth, accuracy, correctness, completeness, fullness, timeliness, ownership or responsibility of claim/reporting, and/or compliance with certified Metro 2 format reporting standards. I also demand that you prove your lawful authority to conduct business with me, as I will not conduct any business interaction with you under duress. If you fail to comply with this demand within 20 days of receiving this notice, you must immediately and permanently cease all derogatory or injurious actions against me, including but not limited to reporting or collecting unverified, untrue, invalid, or non-compliant claims or debts. 
Please be aware that any such behavior could be considered criminal harassment or extortion, and I will take appropriate legal action. Therefore, please rectify any alleged chicanery-laden subterfuge on my credit report by removing any delinquently reported items. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am reaching out to you as my social security number was compromised. I had a data breach that resulted in fraudulent accounts reported to me. I am requesting that all erroneous names be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
cease and desist contract was fraudulent the dealership collect down payment they have closed down sense the pandemic financial company credit acceptance still harassing me reporting inaccurate information on my credit profile for 7 yrs 11 months

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 2024-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I had a problem receiving my security deposit from this company called XXXX XXXX XXXX. Which is no longer a company. Once I started asking for my security deposit back that's when all these problems started. Literally the same day I got an email saying I requested information from this company ( National Credit Systems , Inc ). Which I never did. I explained to the lady XXXX XXXX on XXXX that this debt does not belong to me and that they were contacting me fraudulently for this company XXXX XXXX XXXX The woman was very rude and hostile on the phone with me. I then went to the corporate office downtown XXXX and I spoke with the regional manager XXXX XXXX XXXX XXXX  who I gave my information to and she did state that she was going to take care of this. That I did not owe their company anything. This is fraud!! The leasing office no longer exists and the employees were all doing fraudulent things. I never knew I owed a debt. I moved out XX/XX/XXXX. I did my 60 day notice and walk through of the apartment on XX/XX/XXXX with XXXX XXXX. She approved my intent to move and signed off that I didn't owe anything and my date to move out was XX/XX/XXXX. Which I did and returned their keys. I never had any issues or knew anything about a debt owed until I got that email on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc.
State: RI

Complaint narrative:
IT WAS A {$100.00} VANILLA VISA GIFT CARD THAT WAS PURCHASED ON XX/XX/XXXX AT A XXXX IN RI AND SPENT ON XX/XX/XXXX AT A XXXX AT XXXXXXXX XXXX, I THINK IN VIRGINIA. IT WAS A GIFT FOR OUR XXXX ANNIVERSARY. I OPENED THE CARD PACKAGE IN XXXX, XXXX AND FOUND THAT I HAD A XXXX BALANCE, NOT BY MY DOING!!! I TRIED XXXX  AND THEY DO NOT KEEP INFORMATION ON THIRD PARTY CARDS AND I COULD NOT SPEAK TO ANYONE AT VANILLA ABOUT MY PROBLEM. I NOTIFIED THE ATTORNEY GENERAL 'S OFFICE IN RI AND CFPG ABOUT MY SITUATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

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 2024-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Ascent Holding Co
State: TX

Complaint narrative:
Ascent basically acts like it is a charity, offering what it markets as amazing loans for college students and people attending coding bootcamps. The reality is that they charge exorbitant interest and use shady tactics to market themselves as doing some essential service for customers. As part of their scheme, they created something called the XXXX XXXX, which enables people to filter and search to find a bootcamp school that matches their specific needs. Users of the tool can filter by things like their specific program, online or in-person, program length or zip code. The website states that Ascent partners with some of the schools ( meaning offers their high interest loans at them ), and where that is the case the bootcamp will be identified as such ( see attached disclaimer and example ). XXXX 's FAQs say that " not every school included in this XXXX XXXX is affiliated with Ascent ''. I was skeptical, so I tested this- I filtered by Schedule>Any ( to include both full-time and part-time programs ), and having clicked " show more '' probably XXXX times, I've reached the end of the list of possible bootcamp programs. In a list that shows XXXX results, Ascent 's XXXX XXXX lists only 8 total that don't show the " Payment option available through Ascent '' disclaimer - Hack XXXXXXXX XXXX XXXX in XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since I filtered to include full-time and part-time programs, this list should in theory be the full list of possible bootcamps within the finder, which means that only .04 % of the schools included are not affiliated with Ascent. Thankfully I didn't fall for their scheme, and instead got a loan from XXXX XXXX  to attend the bootcamp I wanted, XXXX XXXX XXXX XXXX ( which wasn't listed in the XXXX XXXX results, I'm guessing because Ascent doesn't offer their high interest loans there! )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: IL

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX. I went to business/wellsfargo making a deposit on XXXX $ with a cashiers Check of {$900.00}. The monetary amount was stolen.i requested every bill that if XXXX and XXXX to tb returned and the tell be counted. When they decided to close my account and have disconnect the pin pad. 

View full complaint

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 2024-02-21 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-21 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: IL

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW 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 non-monetary relief
Consumer complaint received 2024-02-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I deposited a check from the IRS that was due to me as a refund on XX/XX/year>. I waited a year and a half for the IRS to even send me those funds. The check was deposited and I am now being told that it will not clear until XX/XX/year>. I have never in my life had to wait that long for a check let alone a government check to clear. There are no other banks that hold your funds for 2 months before clearing. I have called numerous times and they say that they can not get a check verification from the bank on the other end that the funds are coming from. They also had the nerve to ask why I needed those funds released earlier than XX/XX/XXXX. I am relying on those funds to pay bills and now have to hold off for 2 more months. I have filed a complaint against capital one and reported this to the XXXX. I do not know what the process is with the bank and the IRS but that is money due and owed to me and should be given to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: WA

Complaint narrative:
My consumer report has information that does not belong to me as well as information that belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: OH

Complaint narrative:
The credit bureaus stated my account was properly investigation but how is that possibly if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation