vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
Applied for a SOFI personal loan. Per credit report filing, a creditor should reach out to me as the consumer to verify my identity before decisioning an application. Lender denied my application on the basis of unable to verify identity. Sofi advised they made contact with myself as the consumer a total of 3 times. Which is false. They contacted me from XXXX on XX/XX/2024 and did not identify themselves as SOFI and mentioned in the voicemail I guess you wont be getting your loan. I was then contacted by SOFI on XX/XX/2024 at XXXX XXXX and left a voicemail identifying themselves as SOFI . I returned a call to SOFI a minute later and was advised by 2 associates and an account manager that I would have to reapply and my application is denied. The lender should make every effort to contact the consumer and give me an opportunity to verify my identity which they did not do. And per the associates voicemail comment now that I know its SOFI appeared to have already decided to decline the application. I have a copy of the voicemail. I have made every attempt to contact SOFI and they have denied allowing me to verify my identity. Instead, they requested me reapply which could impact my previously quoted interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
My card was used fraud and 3 charges totally {$700.00} was charged to my account. I sent them a dispute letter twice and have called everyday for an update since the XX/XX/2024. 

the fake charges were XXXX {$170.00} XXXX {$500.00} XXXX XXXX {$15.00}. 

They have a policy that if they cant solve it in 10 days they provide provisional credit and they havent. They give me the run around and even asked me if i sent the dispute letter!!! They wont let me talk to the dispute center.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received the copy of the Loan Note and Security Agreement. Although I recognize the language requiring the Guarantor to guarantee the business loan, this Loan Note and Security Agreement does not reflect the loan application that I submitted or my repeated conversations with the US Bank loan officer. I asked him several times about any personal guaranty since I was unwilling to guaranty the loan. He responded it was for informational purposes only. I thought it was unusual but signed anyway. 

Additionally, I must have signed by e-signature that didn't allow me the opportunity to fully review the Loan Note and Security Agreement, which as previously stated, did not conform to the application or my conversation with the loan officer. Furthermore, I am a married man and was married at the time of the Loan Note and Security Agreement. As you can see, my wife did not sign the Community Property Consent. Moreover, she was never asked to sign and if she had been, I would have known this was a signature for personal guaranty. 

I firmly believe that the loan process underlying this Loan Note and Security Agreement to be unfair and fraudulent. Using an e-signature on a {$50000.00} business loan without a full opportunity to review the loan document that requires a personal guaranty when the loan officer responded that there is no personal guaranty and without request for signature by the purported guarantor 's spouse is unfair and fraudulent. I request that I be removed from this loan as a personal guarantor based on unfair and fraudulent loan processes and lack of knowing consent to the guaranty by me and lack of consent whatsoever by my spouse. If I am not removed as a guarantor, I will take legal action to contest this unfair and fraudulent loan process and seek all damages beyond removal of me as a personal guarantor.

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 2024-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have been a victim of Identity theft since XXXX when I noticed items on my credit report that did not belong to me. I started to receive billing statements and late notices from XXXX XXXX in XXXX, I NEVER took out services or ordered service from XXXX, it was part of identity theft. I called XXXX, sent them FTC reports, police reports and the item was deleted from my credit report. Recently the debt was sold to XXXX XXXX XXXX, a collection company who has contacted me by email, mail, phone calls and has reported this debt that does not belong to me to all 3 credit bureaus. I previously contacted XXXX XXXX in XXXX of XXXX, sent them proof the debt did not belong to me. They removed the collection from my credit report. XXXX I notice they have placed the collection back onto all 3 credit bureaus and have sent me another collection notice.

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 2024-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: ID

Complaint narrative:
I took out a few advances from this company over the last few years and I did not expect or understand the exorbitant interest fees they were going to charge me. I believe they are charging me a 360 % interest rate payment its my payments being around {$320.00} per month. I simply can not afford this anymore and am considering changing my bank acct so that they can not continue to charge me. When I tried to call them, I was taken to an XXXX XXXX  prompt which asks for your acct information. I plugged my information in like 5 times and the XXXX says that they can not retrieve any of my acct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: NC

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. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C. 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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A Section2. 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, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: NJ

Complaint narrative:
Since XXXX, XXXX XXXX has illegally submitted charges to my Discover card for services NEVER requested nor rendered. 
Every year, I have supplied proof to Discover Card that XXXX XXXX is illegally charging my account. I have supplied : 1. an email from XXXX XXXX that states I do not have an active account with XXXX XXXX  2. XXXX from XXXX XXXX website showing I have no active accounts 3. A statement PROHIBITING Discover card to authorize any charges from XXXX. 

I fought for XXXX YEARS with Discover card AND XXXX XXXX. 

Exasperated by this nonsense, I paid my account to $ ) and CLOSED my Discover card. 

While the XXXX transactions were in dispute, XXXX finally reimbursed me for the past XXXX years but NOT for XXXX - because those 2 transactions ( 2x {$290.00} = {$590.00} ) were still in dispute. 

Immediately Discover card my online account access and did NOT inform me of any additional charges after I XXXX XXXX out my account, AND they put these charges onto my account without any way of informing me. They claim to have sent a letter that they claim was returned ( they have my correct address for YEARS ). They have reported me as delinquent on my credit report for a charge they never informed me I owe!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: NC

Complaint narrative:
In willful violation of federal law and in non compliance of FCRA 605B Experian is refusing to remove an account ( XXXX XXXX ) that is the result of Identity theft. I have provided all identifying documentation, reported the theft to the FTC and provided Experian with an affidavit of fraud from the police department. I am seeking the immediate removal and blocking of this account from my credit profile. Experian has shown no evidence that any of the following are true that I 1. The request to block information was based on a material misrepresentation 2. knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. nor have I 3. agreed in writing that a block was made in error. A key provision in FCRA 605B is that a Credit Reporting Agency such as Experian SHOULD NOT be investigating consumer cases of identity theft. Also conducting an investigation of the furnisher 's reporting is not part of the identity theft blocking process, and is not basis for denying the block under section 605B. If this derogatory information is not removed immediately I have no other option other than to will seek punitive damages per FCRA 616.

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 2024-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I believe the account is invalid. SPRINGOAKCAP needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged accounts were transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the following accounts to be removed from my credit & their records. SPRINGOAKCAP XXXX and SPRINGOAKCAP XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
Please assist in deleting these items from my credit report within 4 days after you receive this notice. I am willing to accept the deletion of these unauthorized and erroneous items instead of pursuing legal action for the violations committed.

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 2024-05-29 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: MOHELA
State: WI

Complaint narrative:
My account went into administrative forbearance in XXXX due to MOHELA moving to a new servicing platform. I received a letter in the mail in XXXX that my account was transitioning to the new platform. I have always had autopay set up on my account. However, I have since been getting letters that my account is past due. I have called MOHELA XXXX or 6 times now to understand how my account was past due, if I was in forbearance during the transition, and my account had always had autopay set up. Each time I call I seem to get a slightly different answer. I have been told my account is not past due on their end, even though I reiterate that my account on the new platform shows I am. I have been told that my case is being escalated, but I have never heard anything back in the two times I have called since being told that. I have also been told my account has been placed back in forbearance until this situation is resolved. However, MOHELA just pulled the autopay from my account last week, although I was told that would not occur now that I'm back in forbearance. Originally I was {$240.00} past due, I am now {$310.00} past due. Each time I call I request a letter in the mail confirming my account is not past due. Each time I am promised a letter. However, I have never received any additional information, just more past due notices. I have tried sending emails, to keep a paper trail, but I have never gotten a response to my emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have disputed this account several times even years without getting any Response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes I have made for these, including the certified mail tracking numbers. and despite this they ignore me, how is it possible to treat me this way, the truth is I'm tired of fighting and I feel Vulnerated ... What injustice. That's why I need you to help me.

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 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/year>, Bank of America close my credit card account ending in XXXX. The account was in good standing and paid on time, average payment was well over the minimum expected. When I reached out to the bank they refused to listen to my concern and address the closure. The answer I got was they reviewed my customer profile and decided to close the account. My checking/savings account attached to this had over {$90000.00} currently. They closed it and sited the terms would have to change, meaning the APR or interest rate. Im now supposed to reapply at a higher cost. This to me seems like predatory lending, looking for ways to increase a fee for current customers to pad the bottom line. I want my card to reopened at the same terms. I also never agreed to have my credit reviewed, this was not approved and caused a hard inquiry on my credit profile. Please help in this situation.

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 2024-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
All the credit inquiries to TransUnion all the credit debt an inquiries to XXXX an all the credit an inquiries to XXXX I still have inquiries for cars I still cant get a bank account all the banks deny me I need the check system clear I need all inquires clear off my credit report help sort all this out it been 6 months trying Im disable trying to do all this overwhelming

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 2024-05-29 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: NC

Complaint narrative:
In willful violation of federal law and in non compliance of FCRA 605B Equifax is refusing to remove an account ( XXXX XXXX ) that is the result of Identity theft. I have provided all identifying documentation, reported the theft to the FTC and provided Equifax with an affidavit of fraud from the police department. I am seeking the immediate removal and blocking of this account from my credit profile. Equifax has shown no evidence that any of the following are true that I 1. The request to block information was based on a material misrepresentation 2. knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. nor have I 3. agreed in writing that a block was made in error. A key provision in FCRA 605B is that a Credit Reporting Agency such as Equifax SHOULD NOT be investigating consumer cases of identity theft. Also conducting an investigation of the furnisher 's reporting is not part of the identity theft blocking process, and is not basis for denying the block under section 605B. If this derogatory information is not removed immediately I have no other option other than to will seek punitive damages per FCRA 616.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have disputed this several times with Experian. 
Can someone please noticeThere is NO 30 days late, then 60, 90, 120. 
I had made my payments regularly ( see above ). 
I missed the XX/XX/XXXX payment, then the following month it goes straight to 60 days late in XX/XX/XXXX? 
No, it should be 30, 60, 90, 120. 
I caught up on my payments in XX/XX/XXXX. 
XX/XX/XXXX, on time. 
XX/XX/XXXX missed payment XX/XX/XXXX 30 days late XX/XX/XXXX 60 days late XX/XX/XXXX 90 days late XX/XX/XXXX paid all money due to XXXX and was caught up on my mortgage... this should be 90 days ... NOT 120 days. 
I have attached XX/XX/XXXX and XX/XX/XXXX letters to Experian- Which they rejected and stated this was resolved. NO it is not!

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 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am writing to formally express my concern regarding several unauthorized transactions processed through my bank account. Over a month ago, I noticed these fraudulent transactions and promptly reported them to the bank, following all required procedures. Despite my timely notification and the clear evidence of fraud, the bank has refused to take the necessary steps to resolve the issue and credit my account for the disputed amounts from XX/XX/XXXX. 

The lack of action from the bank has left me in a difficult financial situation, as these transactions were substantial and have affected my account balance significantly. I have provided all the necessary documentation and evidence to support my claim, yet there has been no satisfactory resolution or communication from the bank regarding the status of my case. 

Given the circumstances, I am requesting immediate intervention to rectify this situation. I urge the bank to review my case thoroughly, credit my account for the fraudulent transactions, and ensure that such issues are handled more efficiently in the future. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation