vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
My Sephora visa card expired in XX/XX/XXXX. I never received any new card. So no new charges were made since then. When I go online I would pay my current balance thinking account should be paid off. They kept adding late charges after balance would be paid making my account late now on my credit report. And I would know nothing about it as I thought my balance would've been paid. It's happened every month since XXXX. Shouldn't paying current balance pay it off

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
Hello my names XXXX XXXX I'm writing this today, to resolve the misinformation on my credit report. I see different missed payment dates across different credit reporting agencies. When the informations supposed to be inform across all bureaus if it was in fact true. My account has always been in good standing According to the fair credit reporting act information on my credit report should be accurate which this missed payment is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: FL

Complaint narrative:
XXXX statement {$150.00} payment XXXX statement deferred XXXX statement {$150.00} payment How can you be in repayment status then deferment then repayment status in 30 days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: NY

Complaint narrative:
Frost-Arnett is contacting me about assumed debt that I already paid to XXXX. I've asked for the dates and the reason behind the debt, they didn't provide this. I've cross-referenced any missed payments with XXXX XXXX, and no dates or missed payments match.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: RAYMOND JAMES BANK
State: NJ

Complaint narrative:
I submitted for a loan modification. My income is much more then what is required. Raymond James Bank has had me going back and forth for 6 months asking for documents. I have sent them everything that was asked for. They give me a list of stuff which I send in, then they give me an entire new list that has nothing to do with the prior list. They are playing games with me and many other home owners by continuing to ask for documents and allowing older ones to expire when they have more then enough to review and approve my loan modification. They have done this for 6+ months and now I have a sale date that they refuse to postpone to allow me a proper loan modification review.

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My recent credit score is decreased by XXXX points, when I accessed my credit history. I can see accounts that was paid off and closed still show as delinquent. Also, the account of XXXX never been delinquent and was voluntary closed by me. 
I had been working had to get my score back to the right direction However the credit Bureaus don't want to clear my old accounts which they are impacting my credit negatively.

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My recent credit score is decreased by XXXX points, when I accessed my credit history. I can see accounts that was paid off and closed still show as delinquent. Also, the account of XXXX never been delinquent and was voluntary closed by me. 
I had been working had to get my score back to the right direction However the credit Bureaus don't want to clear my old accounts which they are impacting my credit negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CA

Complaint narrative:
I was notified that payments were due, went to go in and pay them but was told my loans were in forbearance and there was no balance. At the same time I went to update my income based payment plan back in XXXX, but its been a while and it claims its still processing. In the mean time I cant seem to get any information from them as the phone lines are so blocked up. MOHELA is an absolute mess and its really frustrating trying to keep up with the changes they keep making.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Based on credit reports from all the agencies, I have a credit account from XXXX, which keeps appearing on my credit reports and has negative impact on my credit. But I have never opened a credit account with XXXX and had no idea about that account. I tried to dispute with TransUnion, but nothing really changed ( except now that the status of the account is open ), I am not sure what else I need to do to correct this 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
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Information was removed from Credit reports XXXX, Transunion and XXXX due to Fraud and from there XXXX transferred the debt to another collection agency and also changed the initial date they stated that the account was actually opened defraud the XXXX XXXX XXXX as well as the 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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Information was removed from XXXX reports XXXX, XXXX and Equifax due to Fraud and from there XXXX transferred the debt to another collection agency and also changed the initial date they stated that the account was actually opened defraud the XXXX XXXX XXXX as well as the XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
[ correction to complaint XXXX ] : Each of the accounts with account/tradelines " XXXX XXXX '' and account numbers beginning XXXX report as a XXXX with a " On record until '' date of XX/XX/XXXX. The courts within my XXXX XXXX XXXX have published a case that demonstrates how alleged XXXX  are established relative the Date of First Delinquency ( see attached ). To determine if an alleged payment history and accompanying charge-off were reporting accurately, the Court subtracted XXXX ( XXXX ) years from the " Estimated month and year this item will be removed '' date. For the Experian credit reports this is the " On record until '' date. The " On record until '' date for the accounts herein is XX/XX/XXXX. Applying the method demonstrated by the Court to the accounts herein, by subtracting XXXX ( XXXX ) years, gives a Date of First Delinquency of XX/XX/XXXX. However, XX/XX/XXXX can not be the correct Date of First Delinquency for these accounts because the accounts are listed " OK '', ie. paid on time, for that month. Therefore, the Date of First Delinquency is false or inaccurate. Thus, the payment history leading to the alleged charge-off is false or inaccurate for these 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 2024-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Santender bank, took my car while I was hospitalized, I made many payments on time, paid already the value of the vehicle.They did not want to reinstate the loan, I argue over the phone over an hour to please return the call we need to make the late payment they continually said no. They demanded that I paid the car in full in order to keep it. Santander gives you chances if you're late you can call in and they allow you to be late or not make a payment, I explained to them I was in the hospital I wanted to use those chances and they said no I asked for a manager and there was no way for me to change our mind so they kept the vehicle and put on my credit report that I still owe d XXXX after they took it and would not work with me to catch up with the payments. I lost my deposit that I put down the {$2000.00} and I lost all those payments I was I believe XXXX years into the loan. I want that removed they took my my vehicle and expect me to continue paying for the balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX, Hope all is well this is XXXX XXXX I'm writing this looking for help. Last year in XXXX  I received a late payment on an account that was paid within the payment window by the company Upstart. I was advised on the phone that it was a clerical error and would be adjusted. I reached out at a later date and they advised me they can't change it. Which again I paid within the window and have been in good standings with them. When I look at my credit report I see it shows late on two reports and not late on the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Spring Oaks Capital LLC is reporting fraudulent inaccurate information on my credit report. Ive requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. Also spring Oaks Capital LLC company isnt authorized or have a license to conduct business or collect debt in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have contacted several companies by phone and XXXX  mail with no response. In XXXX of 2023 and XXXX of 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I have contacted several companies by phone and XXXX mail with no response. In XXXX of 2023 and XXXX of 2023.

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Each of the accounts with account/tradelines " XXXX XXXX XXXX and account numbers beginning XXXX report as a XXXX with a " On record until '' date of XX/XX/XXXX. The courts within my Federal Judicial District have published a case that demonstrates how alleged XXXX are established relative the Date of First Delinquency ( see attached ). To determine if an alleged payment history and accompanying charge-off were reporting accurately, the Court subtracted seven ( 7 ) years from the " Estimated month and year this item will be removed '' date. For the Experian credit reports this is the " On record until '' date. The " On record until '' date for the accounts herein is XX/XX/XXXX. Applying the method demonstrated by the Court to the accounts herein, by subtracting seven ( 7 ) years, gives a Date of First Delinquency of XX/XX/XXXX. However, XX/XX/XXXX can not be the correct Date of First Delinquency for these accounts because the accounts are listed " OK '', ie. paid on time, for that month. Therefore, the Date of First Delinquency is false or inaccurate. Thus, the payment history leading to the alleged charge-off is false or inaccurate for these 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 2024-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a opened account from capital one XXXX  XX/XX/2020 it was opened without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
My complaint is based on an incorrect balance due to the management company that has been reported to the credit bureau while I was working with the company to rectify the issue. My lease ended XX/XX/XXXX and had a verbal agreement to stay until the end of the month. I moved out at the end of the month as discussed and when the final bill was received it was incorrect. It took awhile to get in contact the property manager but once contacted they sent me an email with the correct amount owed but neglected to acknowledge my security deposit from when I first moved in. Considering the property has changed management and property managers serval times within this time it has caused a break down in communication but also affected my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Apple card system mistakenly made a payment with my old account, I have not used it for years and it was closed and the payment was rejected. As soon as I noticed it I got it fixed and paid with the correct bank account. I was charged with an interest of XXXX. I chat with an agent XX/XX/XXXX and the agent waived the interest and issue a full refund and told all are in order. An interest of XXXX was charged again. I chat with them again and the agent told me it is because I did pay the previous balance in full. The fact is XXXX, I paid every statements in full. I paid XXXX statement {$3.00} in full XX/XX/XXXX, it was late due to the payment was mistakenly charged to my old closed account by mistake of their system, I paid XXXX statement balance XXXX in full XX/XX/XXXX, XXXX day before the due date and I even paid XXXX statement balance of XXXX in full XX/XX/XXXX, it is due XX/XX/XXXX. 
XXXX, while I chat with their agent XXXX. the agent agreed that no interest should be charged. I paid the XXXX XXXX statement balance and the agent credit the interest of XXXX back to my account and confirmed to me every thing is ok. I was not told that if I do not pay the account balance of XXXX, XXXX would be accrued to the pending XXXX balance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX is a fraudulent account reporting collections to my credit report for the amount of {$500.00} reported on XX/XX/23. This is due to identy theft. I have never signed a wet contractual contract or open an account with this company.

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 2024-01-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I am writing to file a formal complaint against Credit Acceptance Corp regarding an auto loan account with Account Number XXXX, which was allegedly opened on XX/XX/2017, and currently shows a balance of {$8700.00}. I have discovered this account on my credit report and believe that I am a victim of identity theft. 

The circumstances surrounding this account are deeply troubling, especially in light of the XXXX database breach that occurred around the time this account was supposedly opened. Pursuant to the provisions outlined in 15 USC 6804 and 15 USC 6802 ( b ), I have formally disputed the existence of this account with Credit Acceptance Corp, requesting a thorough investigation into its origin and legitimacy. 

Furthermore, I have exercised my right to opt-out of any information sharing practices related to this account. I have also requested all pertinent documentation related to the account, including applications, signatures, contracts, a copy of the drivers license, and any other information on file. 

Despite my efforts to rectify this situation directly with Credit Acceptance Corp, I have encountered resistance and am concerned about the potential impact on my credit and financial well-being. Therefore, I am seeking the assistance of the Consumer Financial Protection Bureau in resolving this matter. 

I kindly request that the CFPB investigate this dispute and take appropriate action to ensure Credit Acceptance Corp complies with the relevant consumer protection laws. Moreover, I request your intervention to halt any collection activity associated with this disputed account and to address the potential violation of my rights under the Fair Credit Reporting Act. 

Enclosed, please find copies of the dispute letters I have sent to Credit Acceptance Corp, along with any supporting documentation related to this case.

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
This credit union XXXX  also known as XXXX XXXX credit Union has consistently reported personal information to credit bureaus XXXX, Transunion, & XXXX without any prior disclosures to me or notifying me in anyway 15 USC 1681b- Permissible Purpose of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I hereby put you on notice. I DID NOT GIVE YOU WRITTEN INSTRUCTIONS to report THIS ACCOUNT TO MY CONSUMER REPORT 15 USC 1681e ( b ) Compliance and procedures ( b ) 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.

How are you following reasonable procedures to assure maximum possible accuracy with this account reporting to my consumer report? Without Permissible Purpose, anyone paying for your reporting services could fax, mail or email fraudulent information to my consumer report.

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