vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 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: SC

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 : # XXXXXXXX XXXX  : # XXXX, XXXX : # XXXX, Total XXXX XXXX : # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, DEPT OF EDXXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: AXOS FINANCIAL, INC.
State: IL

Complaint narrative:
My 12 mo. CD@ 0.20 %, was up for renewal on XXXX-XXXX.The new rate was 4.75 %. 
On the last day of my grace period, XXXX, I called to make sure I would be renewed at the new higher rate. The rep told me he could not do this over the phone ; I would have to go online, close out my CD, open a new one, then transfer the balance of {$84.00}, XXXX to the new one! I would incur a penalty of {$84.00} when I did this. When I got online to do this, the Axos website was down, so they told me I could have until tomorrow to complete the procedure. The next day while attempting to do this, I was prompted for security reasons, to upload a picture of my driver 's license to their form. I am XXXX yrs. old and had no idea how to do this, so I emailed them at the bottom of the form and requested they take care of this on their end and renew for 12 mo. @ 4.75 %. This did not happen, and I am now renewed at 0.20 %. Why was my Cd not renewed automatically at the new rate as with every other CD I have ever owned? I have owned this CD with XXXX/Axos since XXXX  and have never had an issue before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AIDVANTAGE -XXXX XXXX XXXX XXXX aidvantage.com XX/XX/XXXX I have been trying to contact Aidvantage for months, emails, faxes, phone calls. XXXX transferred my servicer to Aidvantage XX/XX/XXXX. The problems ( 1 ) My students loans were discharged in XX/XX/XXXX by the XXXX XXXX XXXX finalized in XXXX. Aidvantage ( and you XXXX ) keep reporting the balance of {$200000.00} to the credit bureaus. ( 2 ) Additionally, Aidvantage incorrectly reports the loans were from XXXX XXXX XXXX. They were from XXXX XXXX I sent numerous emails, faxes, phone calls no one answers. This issue is intentionally hurting me and my credit. This needs to be corrected and reported correctly. I owe XXXX I have also contacted the CFPB, XXXX and my Senator. CORRECT THIS. 
I HAVE ATTACHED THE INFORMATION CONFIRMING THE LOANS WERE FROM XXXX XXXX 

Regards, XXXX XXXX XXXX Cc : file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: GUARANTEED RATE INC.
State: CO

Complaint narrative:
My VA home loan was finalized XX/XX/XXXX  and is reported as a personal loan instead of a mortgage. I have a XXXX personal loan on my credit report right now WITH ALL 3 AGENCIES. Guaranteed Rate needs to fix this. I called them and told them and they said it was an easy fix and that it would be corrected in XXXX to 3 days buts it's been over a week. 

GUARANTEED RATE INC/ SER XXXX XXXX XXXX XXXX , GA XXXX USA ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: GA

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

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 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 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 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 non-monetary relief
Consumer complaint received 2023-10-17 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 submitted dispute with CFPB on XX/XX/24 for the following item : XXXX XXXX XXXX They have come back saying the information was verified I am now sending facts showing the inaccuracies with a copy of credit report. Simply stating that this is a verified account doesn't change the fact that I don't know what it is or why it is on my credit report! I need to see everything you've " verified '' with this account. This account was never legally investigated or verified. You're reporting false info. 

XXXX XXXX XXXX I was never late on this account, please send me the docs that prove that I was ever late, I cant figure out how you verified this late payment, when the only legal form of verification is the actual bank statement belonging to this company, Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed. How can the credit bureau claim information is verified when inaccuracies persist on the credit report? This raises questions about the effectiveness of their verification process and the need for transparency and accountability in credit reporting. At this point, I can't help but feel like I'm being discriminated against.

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 2023-10-17 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 submitted dispute with CFPB on XX/XX/24 for the following item : XXXX XXXX XXXX They have come back saying the information was verified I am now sending facts showing the inaccuracies with a copy of credit report. Simply stating that this is a verified account doesn't change the fact that I don't know what it is or why it is on my credit report! I need to see everything you've " verified '' with this account. This account was never legally investigated or verified. You're reporting false info. 

XXXX XXXX XXXX I was never late on this account, please send me the docs that prove that I was ever late, I cant figure out how you verified this late payment, when the only legal form of verification is the actual bank statement belonging to this company, Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed. How can the credit bureau claim information is verified when inaccuracies persist on the credit report? This raises questions about the effectiveness of their verification process and the need for transparency and accountability in credit reporting. At this point, I can't help but feel like I'm being discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: U.S. BANCORP
State: OH

Complaint narrative:
I was told by US Bank XXXX that I qualify for early lease turn in, XXXX. I called and spoke to a person at the US Bank XXXX XXXX department. He went over that I qualified for the early lease turn in. The agreement that the vehicle would be picked up at my residence, the remaining lease payments would be waived, and I would receive XXXX payments within 60 days after the vehicle was taken. I thought about it and called back the beginning of XXXX and agreed to this. I asked if I would be charged a payment once I agreed and they said no. I asked several times if I would be charged and he said no. I made Auto payments for almost 3 years and the auto pay can not be turned off online by me, so the person I asked would have had to turn it off. The auction company called and told me a person would be calling me to pick up the vehicle at my house. XXXX at XXXX XXXX called and we set it up for pick up and I told him I would meet at XXXX so it would be easier for them to load the car. After XXXX cancelations on their end, a driver called on the XXXX of XXXX and I met him at XXXX. I saw on my banking statement on the XXXX of XXXX, US Bank charged me. I was not expecting that since I already purchased another vehicle, still had insurance on the truck even after it was picked up. I called US bank back asking for the refund on that payment. They said that was unfortunate, but I would have to wait 60 days. I stated I though that was 60 days for the XXXX payments, but I was not expecting the XXXX. I called back a total of XXXX more times and on Friday the XXXX I spoke with someone, and they put me through to a manager. Her name was XXXX and she said she was escalating this, and she agreed I should get that payment sooner. She said the service person reading me the agreement should have turned off the auto pay on their end. She said she was going to submit the ticket and call me back Monday. She also said if I didn't get it resolved on US Banks end to dispute with my bank. No call on Monday, but I called back on Tuesday XX/XX/XXXX and the person who I spoke with read notes that I was XXXX receive XXXX payments in 60 days after the sale of the truck at auction. She never said anything about what XXXX said and also said she never heard of this person. I went ahead and disputed with XXXX ( my bank ). I feel this has been happening a lot with US Bank XXXX and after reading reviews from other people, US bank should be accountable. I've made auto payments for almost 3 years ; I was never late. They made money off me and sold the truck for a profit. If I was late, I would have had to pay late charges and interest. I feel they made an offer for the early lease turn in, they should abide as agreed.

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 2023-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
This loan is from XXXX. I never got a court judgments etc I was unemployed for 2 years. I only started working again. Medication and my lap top were in car as well. I only got access to the vehicle as my ex husband had it. I reregistered it. I got no warning they opened the gate to get it - in a private drive way. Im begging for help. Again it was not an auto loan. They paid only partial off the XXXX XXXX loan. I also purchase insurance for the loan that if I suffered job loss or hardship it was covered. They refuse to provide me original loan documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My account was closed recently for XXXX returned payments. XXXX of the payments that were returned was because I had XXXX and was experiencing some hardship. I spoke to a representative regarding this and they reassured me that this would not affect my account. After my account was closed I tried to reach out to the company to have it reopened amd my request was denied. I've been with this company for over 7 years and I am asking for a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have near perfect credit - XXXX score. 

XXXX debt > {$100000.00} income No negative items on my credit report - no collections, late payments, public records. 

Oldest account > 30 years. 

I own XXXX properties, paid in full. 

I have cash assets > {>= $1,000,000}, and liquid assets of {$2.00} XXXX The company declined my card due to excessive inquiries. I sent them my credit report, there is XXXX inquiry in 5 years. 

I've spoken with the bank, they refuse to assist, and refuse to provide the credit report that triggered their decision.

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 2023-10-17 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: NH

Complaint narrative:
My student loans were currently on public loan forgiveness and I was set to begin making qualifying payments once the loan pause was ended. I also completed a borrower defense case against XXXX XXXX XXXX  on XX/XX/2022. In the application I checked off the box saying I did NOT want my loans put into a forbearance during the time it is being reviewed. My loans were put into a forbearance anyway without my consent. The wait times for a phone call are over XXXX hours when I call and I have not been able to get a hold of anyone by phone. I have sent XXXX emails to MOHELA trying to get it fixed and response takes a long time and has not fixed the issue. I have also received communication that they sent me the incorrect payment amount initially and will be sending me a new amount. This is impacting me being able to make my qualifying payments that count towards my public student loan forgiveness which then impacts when my loans will be forgiven. The attached form shows my borrower defense application and where I checked off that I do not want the loans placed into a forbearance during the processing time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I have tried repeatedly to set my account up online so that I can set up AutoPay, so that the payment is made on time and I don't have to remember to try to call them when I can make it home from work. I've called the number it shows on the screen to call so that they can figure out why the card I have has a number that the system doesn't recognize as being a valid account number. While I am on the call at the number shown on the screen, they tell me that it is a problem with Synchrony Bank and then they connect me to them. While I am on the phone with someone at Synchrony Bank, they tell me that the problem is with PayPal and connect me with them. This goes on and on until I get tired of trying and being on HOLD that I hang up. This has been going on for several months and I can't afford to have late payment charges because I can't access my account online and am too busy trying to work and take care of my Mother who is suffering from XXXX. I don't know who is supposed to be able to fix my account, but I am going to assume that it would be Synchrony since they are the issuer of the 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 2023-10-17 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: NE

Complaint narrative:
In XXXX of XXXX  I requested a refund from MOHELA for the payments I made on my student loans during the XXXX XXXX. I was told shortly thereafter that my refund request was granted and that I would be receiving a check within the next XXXX days. I never received a check and called MOHELA twice over the summer XXXX  and was essentially told to wait longer. I still hadn't received the refund and called again last week ( XX/XX/2023 ). I was then told that I would need to resubmit the request but they did not give any clear reason for this. This is a substantial amount of money and I have really needed it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Since XXXX of 2023, Synchrony Bank has been destroying my credit by closing nearly every single account with their bank. Every account was in good standing and I have not missed a single payment. 

My income has increased significantly, and I have been able to pay off a lot of debt. Apparently this XXXX them off, because Synchrony FALSELY and FRAUDULENTLY claims on their " closure letters '' that I have " lack of real estate secured loan information. '' As I have verified with my mortgage company and all three credit bureaus that my mortgage, is in fact, being reported on my credit files.This means that they have committed fraud in sending these letters. 

They also claim an unpaid collection. This collection account that is listed is not mine, and is in the process of being removed. This collection was on my report when I applied for the accounts that they have closed. I have since had several false collections removed, and was able to increase my credit score significantly from this, until Synchrony started closing accounts- some without any notice until I was at the cashier 's stand and was embarassingly told my account was closed.

Synchrony has also been pulling my credit report approximately every two weeks. WHY? I did not authorize this. No bank on earth needs to pull their customer 's information that often. It appears that they are hunting for something there, but what, I do not know. Perhaps they want to verify that the damage to my credit is complete so that they can sing and dance on my credit grave for their XXXX poor business practices? Who knows? 

My credit scores have now dropped nearly XXXX points due to their false and fake reasons for closing my accounts that were in perfect standing.

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 2023-10-17 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: RI

Complaint narrative:
I found erroneously reported information on my consumer report with XXXX. 

I had XXXX remove the information ( bankruptcy ) and Equifax is not removing the item from my credit report.

Company response to consumer: Closed with explanation